All of my characters happen to be either related or close friends, so it's really easy for me to use the "My (son/dad/buddy) (other character's name) might be willing to help out. I'll let him/her know about you."
Two of my characters have fighters in addition to their cargo haulers, so they often go get their runabouts if they happen to be in the area and need a smaller ship.
Here's one I used the other day when needing to get some cash from one character to another:
"Looks like I'm going to need to ask (character name) for another loan. Oh well. (He/She) knows I'm good for it."
