How do you write/create contracts, proposals, etc as a business owner?

So in a few conversations with business owners and freelancers, one of the challenging tasks is creating good quality documents in the process of doing business. For eg a digital agency owner may need to send out proposals, agreements etc. A small business owner might need to create finance documents eg budgets, create marketing documents like proposals, and have need for legal agreements like agreements, MOUs etc.

For some hiring professionals anytime they need to create a small document to aid their business can quickly add up in costs. We built docuzina to try solve that especially for sub saharan Africa based entrepreneurs and freelancers.

So how do you create documents you need without spending lots of money?