You don’t start with any money to upgrade, in the stock sidey and if you want to come straight away without earning a single credit then do this: http://www.edshipyard.com/#/L=601,,2-3w3w3w2M2M2M22, If you die the worst that happens is you lose time as you can get everything else back for free. Just be careful not to bump into anything with no shields. If you are willing to spend a little longer getting down then reduce your jump range by keeping the basic D scanner, use it to ping every star once you jump to a system for a nice little pile of credits selling the data when you arrive.
No you don’t start with credits to upgrade but I was under the impression I will get credits for selling the shields and cargo racks, hence
edit: can’t get the damn hyperlink to work no matter what I try