If you want more loot and are having a hard time acquiring it, check out this guide to making more money in Assassin’s Creed IV: Black Flag.
After reaching Havana Island, you have access to these contracts. Each contract completed rewards you with 1,000 Reales with a bonus of 500 R for conducting your mission stealthily. There is also a cool prize you get for completing all of these contracts which are called the Pistol Swords.
Hunt for Animals:
Go out and hunt animals for their hides. After getting the hide, you can sell it. In most of the areas you find animals, the animals will respawn in and around that area so you can keep hunting and getting hides and pelts.
This is an easy way to get quick money because of ease of access. You can plunder ships, buildings, caves, etc and loot the money and items within. With your newly acquired items, go and sell them.
If you want a bunch of money, these ships are for you to plunder, but these ships are a lot more risky trying to invade. Once taken out though, you will be rewarded with tons of Reales.
Treasure chests are hidden around AC4 and can net you a good amount of money and items. You can use treasure maps to help you in your pursuit to find these chests.
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