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After building as much track as you can, when you run out of money, start building stations and fully upgrading them. When you reach approximatly -$32,000,000 it will become positive $32,000,000. Just make sure you don't earn above $32,000,000 or it will become negative again.
A very simple and easy cheat is to after building JUST the track, put a signal tower in a non-essential place along the line BEFORE building your stations. The result is a ghost station that has almost a million dollars in freight per trip. Build your other stations next. The ghost station will be called "hills" select a full train (one of everything) and send it to the next station that pays for freight. The result is a million dollar train that has no weight! (It travels like a caboose only train). What's more these scores you can save (unlike the dollar sign trick).
Go to the top layer of maps, and press the $ key. It should give you 500,000 dollars. There is a money cheat for Railroad Tycoon, F1-$ pressed together (which means SHIFT as well), and it gives instantly over $3,000,000. However, it seems that this can only be used once ever, not quite sure whether it's per game or per load saved game.
Railroad Tycoon cheat
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