The Internet offers many utilities to help with the nuts and bolts of borrowing money, from calculating repayments to tracking your loan portfolio. Web sites such as Filez (http://www.filez.com) and Shareware (http://www.shareware.com) are good sources of useful software. (See June 1998 "Software Solutions.") Another good site is Download (http://www.download.com); a search for "loans" there generated 44 hits. Also visit Finance Web (http://www.financeweb.com) for a list of small-business and homebased business links.