I'd take a guess at Fred's comment regarding collect as you go along to mean collecting as you book the boat and every other step along the way. This is what we've typically done. I got the group confirmed, figured out the price and had everyone send me money - typically before anything was booked. Once on the trip, we'd share costs and I kept a spreadsheet of what everyone spent and could tell how much anyone couple/person owed or was owed. Usually we got it all worked out to near even in the end so little money was exchange. Just had different people pay the mooring fees and other bills as we went along.