It's generally not worth the merchant, especially early on. Collecting in your home node essentially just gives you +10% trade efficiency, which means +10% higher income in that node. This should give a much improved trade power in your home node, and also a better economic base for taxes and manpower.ΔΆ. Spain is a reliable ally (historical friends), but if there is a good opportunity (alliances with France and Aragon for example), you should backstab them and take their very valuable land (especially the key province of Sevilla). Unfortunately Morocco is less than ideal to expand - low development, increased coring costs and only a few provinces that are not distant overseas. Then they'll start paying for themselves. Only build light ships and use all of them to protect trade. Start by mothballing your heavies when you're at peace. If it happens - oh well, but taking loans should always be temporary.
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