(MONEY Magazine) – What do you need to start a business? Enough Mountain Dew to guzzle through the night and a few buddies willing to work for equity. Or that's how you'll remember it. For now let these online tools ease the way.

FOR LOANS FROM STRANGERS prosper.com

At this person-to-person lending site, you post your story and what interest rate you'll pay, and perfect strangers will (you hope) lend you money.

FOR LOANS FROM FRIENDS circlelending.com

If you need to hit up your friends and family for seed money, do it through a site that'll make it official.

TO CALL ON ANGELS angelcapitalassociation.org

Browse the directory of angels—wealthy investors, often ex-entrepreneurs, who dole out funds for new ventures—to see who might be willing to look over your business plan.

FOR MORAL SUPPORT bootstrapnetwork.com

At this social-networking website, people starting businesses without much money, or bootstrappers, share ideas (and miseries) over blogs and forums.

FOR INSPIRATION ycombinator.com

To learn what kinds of start-ups are getting funded today, click on News.

FOR COMMUNITY startupping.com

Running a Web business? Go here to compare notes with other Web 2.0 types and link to bloggers—some must be struggling more than you are.

FOR A BUSINESS PLAN sba.gov gobignetwork.com

Visit the SBA for a primer on writing a plan. Bounce your ideas off experts in the Getting Started forum at Go Big Network.

FOR CONTRACT WORKERS napeo.org

Find an employee-leasing firm that will send you workers and take care of all the personnel-related hassles.

FOR AN ACCOUNTANT paycycle.com

If you have employees, let this payroll service do the paperwork. Monthly cost: $43 for up to five workers.

FOR CHEAP CALLS skype.com

Download Skype and blab with other Skype users for free. Calls to anyone else in the U.S. and Canada are $30 a year. Other international calls start at 2¢ a minute.