Can you create an agreement with a collaborator when making work to sell without using a solicitor, due to lack of funds when starting out? Is this a practical option to get started?

ACID have a range of legal templates available to purchase which have been drafted by IP specialists to keep costs at a minimum whilst ensuring you have protection in place. Once you have downloaded them you can use them time and time again. However, you should always get the final agreement checked by a legal affiliate before sending to the other side.