Sam,
Welcome!
What type of business do you have?
You can either pay a web designer (there are a ton of work at home moms who do this so you would be supporting them which is good) or you could design your own. I personally use
www.buyyoursite.com and in the beginning I was clueless but over the past few months I'm amazed at how much I have learned and although I am still working on my site, It's not that bad if I do say so myself. LOL
As far as a monthly fee, I think hosting is a monthly fee and you'll need a domain name which is not expensive at all. I can give you info for a web designer I know who has great prices (I haven't used her but probably will in the future).
HTH~