Hexcheat:
 First go to the program files and find the path for sfc3. 
 For W98 it's program files/activision/sfc3/assets/metaAssets/singleplayer. 
 Now click on "character" and edit the file (note you may need to use 
 wordpad to edit. MAKE SURE THAT YOU SAVE A BACKUP OF THE ORIGINAL) then 
 where it says "StartingPrestige" put the amount you wish to start with. 
 When you start a new campaign, the amount you put in is what you will 
 start with.
  
 Please note that there's a number of files that you can edit for a cheat. 
 An example is you can change the names of ships under "common setting" and 
 the prices of the supplies in the supply dock etc.You can also change the 
 mass of shields & weapon items as well as the damage, price, etc. and 
 this can help create powerful ships.
 
 Finding cloaked ships:
 Before a ship cloaks, enable "Follow Target". When the ship cloaks, you 
 will not be able to target it, but will be facing it when it decloaks.