There are usually some smaller mercenary bands that hire for ~150G with ~25-50G/month. Don't forget you can ask the Pope for money and borrow 300 gold from Jewish moneylenders (best in that order, as borrowing reduces church opinion).
If you have a bit of money, hire some mercenaries. This might not always be possible but if you can arrange yourself to be a defender, it can drastically improve your kill ratio. Find generals with rough terrain modifiers and high martial skill and try to get yourself in a situation where you can defend in mountainous terrain (see also below for tips on how you might achieve this). Lucky for you, Scotland is full of mountains. If they are after Scotland they will want to occupy some land there. 
Choose the county with the most levies if invasion is imminent or in the county with the most depleted levies if you have 6+ months.
This will not only increase the amount of levy you get but also improve the rate at which losses are replenished.
Put your marshal to increase your levy (the middle button). But here are a few things you can do to maximize your chances:
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