I will point out something that should be obvious. If a company requires you to wire money and will not accept credit cards they are probably in deep financial trouble. More than likely the card companies have recognized this and are maintaining deep holdback requirements. They may even have cancelled their card agreements. In the travel industry credit cards are the norm not the exception and don’t buy into statements like they don’t want to pay the costs.
From a standpoint of being a charterboat owner you should also be very cautious if a company can’t show exactly how they maintain your money accrued prior to contractual disbursements. If that money is sent away and the company simply considers it theirs to use as they see fit and they don’t maintain owners money in a separate account I would run not walk away from that company. It’s not their money and they can’t legally spend it. Some companies do however.