You can create up to 18 characters at the beginning,
and each will start with 200 gold. Make those characters and add
them to your party. Then, take their money and delete the characters.
If you have the time and patience, you can get as much gold as
needed.
Go to Ishad N' ha and go to the pawn shop. Induct your rouge into
the Thieves Guild, then accept the Dragon Arrow quest. Find Torin
(in the Shire) and give him the arrow. Then, go back to the pawn
shop and collect 1000 experience for completing the quest. After
this is done. go back to where Torin was and steal from him until
you get the Dragon Arrow. Go to the pawn shop and sell the arrow
for 1600 gold. You will be able to buy it back for only 200 gold.
Repeat this as many times as needed.
Create two characters in the inn. Put them both into your party.
Then, exit the inn, and give as much gold as you would like to
the second character in your party. Re-enter the inn, and remove
only the second character (the one with the gold.) Then, add them
again to your party. Have your first character (that was not removed
from the party) pool all of the gold. Once again, remove the second
character from your party. Add the second character again, and
have the first member of the party pool the gold again. Repeat
this as needed. Each time you add, pool, and remove the second
character, your first character should receive as much gold every
time as you had originally given your second character outside
the inn. For example, while outside the Inn, you give the second
character 1,000 gold pieces. Once you re-enter the inn, and remove
the character then add him/her back into the party and pool your
gold, you should receive 1,000 gold every time. Note: You must
give the gold to your second character outside the inn, then re-enter,
or you may lose all of the gold on the removed characters. You
can also leave town, then pool the gold to a character, save the
game (just to be safe to ensure to prevent any loss of gold),
then return to the inn. Then, do the remove, add, pool, remove
parts of the trick.
Join the Fighter's Guild, buy a magic arrow or bolt. then sell
it. The cost of buying magic arrows and bolts is much cheaper
then the prize you sell it for. This gap gets even greater when
joining the Dojo and buying a magic arrow there. You can buy for
250 gold and sell for over 1000 gold.