There are several sites where you can obtain cheap 'template' agreements for use in the UK - where the laws are VERY different to the US. They provide some basic terms for common situations and are legal in the sense that they answer the question most often posed to lawyers about draft contracts: 'Is this legal?'
The problem, however, is that something may be 'legal' without doing what you want or need it to do, in just the same way that a car may be a 'good model' but may be totally unsuited to your personal requirements - ie powerful enough to pull a large caravan.
For this reason, the old adage of 'you get what you pay for' means that templates are at best a temporary solution - and where employment and finance arrangements are concerned, this may be no use at all.
Ideally, you need agreements which are tailored to your specific requirements (without being over-the-top), and this means getting professional advice from someone who can help you think through the issues and advise upon the sorts of things that are often missing from template agreements - ie the clauses that avoid you getting into arguments in the first place rather than those that are only useful in court.
The way to save yourself some money - and this critical for all businesses, not just start-ups - is firstly to choose your legal advisor carefully, and secondly, to go well prepared. It will reduce the amount of time you spend with him or her - and hence the hours you can be billed for - if you write down exactly what your arrangements are, and think through how potential disputes could arise and how you can avoid them.