<PAGE>   1
EXHIBIT 10
                                SECOND AMENDMENT
                               TO CREDIT AGREEMENT


         This Second Amendment to Credit Agreement dated as of March _____, 1999
by and between Talon Automotive Group, Inc., a Michigan corporation ("TAG"),
Veltri Metal Products Co., a Nova Scotia corporation ("Veltri") (Veltri, called
together with TAG, the "Borrowers"), the Banks party hereto, and Comerica Bank,
a Michigan banking corporation, as agent for the Banks (in such capacity,
"Agent").

         WHEREAS, Borrowers, Agent and the Banks entered into a certain Credit
Agreement dated as of April 28, 1998 and a certain First Amendment to Credit
Agreement dated as of August 31, 1998 (as so amended, the "Agreement"), pursuant
to which Borrowers incurred certain indebtedness and obligations and granted the
Agent, on behalf of the Banks, certain security for such indebtedness and
obligations; and

         WHEREAS, Borrowers, Agent and Banks desire to amend certain provisions
of the Agreement on the terms and conditions hereof;

         NOW, THEREFORE, it is agreed:
1.       DEFINITIONS

1.1 Capitalized terms used herein and not defined to the contrary have the
meanings given them in the Agreement.
2.       AMENDMENT

2.1 Section 1.12 of the Agreement is hereby amended and restated by replacing
the pricing grid set forth therein in its entirety with the following pricing
grid:

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                                                  Prime-based Loans
                           Prime-based Loans       denominated in        Eurocurrency-based Loans
                          Denominated in U.S.     Canadian Dollars      and Letter of Credit Fees
    Leverage Ratio              Dollars                                                              Facility Fees
--------------------------------------------------------------------------------------------------------------------
<S>                      <C>                      <C>                   <C>                          <C>    

Level I                          1.00%                  2.00%                      2.5%                   .50%
- 6.0
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Level II                         1.00%                  2.00%                     2.25%                   .50%
- 5.5 but < 6.0
--------------------------------------------------------------------------------------------------------------------
Level III                        0.75%                  1.75%                     2.00%                  0.50%

- 5.0 but < 5.5
</TABLE>
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<TABLE>
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<S>                      <C>                    <C>                    <C>                          <C>     
Level IV                         0.50%                  1.50%                     1.75%                  0.50%

- 4.5 but <5.0
--------------------------------------------------------------------------------------------------------------------
Level V                          0.25%                  1.25%                     1.55%                  0.45%

- 3.5 but <4.5
--------------------------------------------------------------------------------------------------------------------
</TABLE>

            2.2   Section 1.29 of the Agreement is hereby amended and restated 
in its entirety as follows:

                  "1.29 'EBITDA' shall mean, as of the last day of any fiscal
                  quarter, Net Income plus the aggregate amounts deducted in
                  determining Net Income for such period in respect of taxes
                  based on income, Michigan single business tax, interest
                  expense and depreciation and amortization, all determined in
                  accordance with GAAP determined in the following described
                  manner during the periods mentioned below:

                  (i)      with respect to any calculation of EBITDA as of the
                           end of the fiscal quarter of Borrowers ending
                           December 31, 1998 by adding (x) the EBITDA for the
                           rolling four quarter period then ended and (y) in
                           each case, other than for the determination of the
                           Leverage Ratio for the purpose of establishing the
                           Applicable Margin, Four Million Eight Hundred
                           Thousand Dollars ($4,800,000);

                  (ii)     with respect to any calculation of EBITDA as of the
                           end of the fiscal quarter of Borrowers ending April
                           3, 1999 by adding (x) EBITDA for the rolling four
                           quarter period then ended and (y) in each case, other
                           than for the determination of the Leverage Ratio for
                           the purpose of establishing the Applicable Margin,
                           Four Million Eight Hundred Thousand Dollars
                           ($4,800,000);

                  (iii)    with respect to any calculation of EBITDA as of the
                           end of the fiscal quarter of Borrowers ending July 3,
                           1999 by adding (x) EBITDA for the rolling four
                           quarter period then ended and (y) in each case, other
                           than for the determination of the Leverage Ratio for
                           the purpose of establishing the Applicable Margin,
                           Three Million Two Hundred Thousand Dollars
                           ($3,200,000), and

                  (iv)     with respect to any subsequent determination thereof,
                           on a rolling four quarter basis,

                  provided, however, solely for the purpose of calculating
                  Leverage Ratio during any four quarter 


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<PAGE>   3

                  period during which a Permitted Acquisition has occurred (x)
                  EBITDA determined for the entity or business acquired in
                  such Permitted Acquisition (without any annualization
                  pursuant to clauses (i) through (iii) above) shall be
                  included in the calculation hereof, as if such Permitted
                  Acquisition occurred on the first day of such four quarter
                  period, and (y) any Permitted Adjustments related to a
                  Permitted Acquisition shall be added back during the rolling
                  four quarter period which includes the date of the Permitted
                  Acquisition."

            2.3   Section 1.31 of the Agreement is hereby amended and restated 
as follows:

                  "1.31 'EDC Financing' shall mean loans and advances provided
                  to Veltri by the EDC, (i) for the purpose and on the terms
                  described in that certain loan agreement dated as of December
                  17, 1997, as amended, between the EDC and Veltri ('EDC Honda
                  Financing'), (ii) loans and advances that may hereafter be
                  extended by the EDC to Veltri for the purpose of financing the
                  manufacturer of tooling for the KJ Program ('EDC KJ Program
                  Financing') and (iii) loans and advances that may hereafter be
                  extended by the EDC to Veltri for the purpose of financing the
                  manufacture of tooling for the RS Program ('EDC RS Program
                  Financing')."

            2.4   Section 1.32 of the Agreement is hereby amended and restated 
in its entirety as follows:

                  "1.32 'EDC Financing Collateral' shall mean with respect to
                  any particular EDC Financing, the rights and interests of
                  Veltri in and to tangible and intangible personal property of
                  the types described on Exhibit J hereto, to the extent arising
                  out of tools, molds, fixtures and dies financed pursuant to
                  the relevant EDC Financing; it being understood that EDC
                  Collateral for each EDC Financing shall be separate, and no
                  EDC Financing shall be cross collateralized with any other EDC
                  Financing."

            2.5   Section 1.60 of the Agreement is hereby amended and restated 
in its entirety as follows:

                  "1.60 'Interest Expense' shall mean, for any Person,
                  consolidated interest expense plus interest expense on capital
                  lease obligations, capitalized interest, non-cash interest
                  expense (except for capitalized loan financing costs and
                  non-cash interest expense on indebtedness with respect to
                  which no payment of principal is required to be made prior to
                  the Maturity Date in effect at the time of the relevant
                  calculation of Interest Expense), all Facility Fees or other
                  recurring fees associated with this 

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<PAGE>   4

                  Agreement, less interest expense (including capitalized
                  interest expense associated with equipping the KJ Program
                  and the RS Program) associated with Tooling Loans and EDC
                  Financing; provided however, that during the first four
                  quarters ending after the date of this Agreement interest
                  expense (except to the extent attributable to a Person
                  acquired pursuant to a Permitted Acquisition) shall be
                  annualized as if this Agreement and the Senior Subordinated
                  Notes were in effect at all times during the four quarter
                  period of calculation hereof, using actual interest rates
                  and Facility Fee rates in effect as of the Closing Date.

            2.6   The following Section 1.63.1 is hereby added to the Agreement 
immediately after Section 1.63 of the Agreement:

                  "1.63.1 'KJ Program' shall mean the production by Borrowers,
                  pursuant to a contract with Daimler-Chrysler Motor Company of
                  tooling for production platforms to be utilized in the
                  production of model year 2001.5 Jeep Cherokees."

            2.7   Section 1.72 of the Agreement is hereby amended and restated 
in its entirety as follows:

                  "1.72 'Leverage Ratio' shall mean, as of any date, the ratio 
                  of:

                  (a) an amount equal to the difference between the Borrowers'
                  Indebtedness less a sum equal to (i) the amount of cash and
                  cash equivalents then on hand, plus (ii) the lesser of Fifteen
                  Million Dollars ($15,000,000) or an amount equal to fifty
                  percent (50%) of the then existing Eligible Tooling Invoices,
                  plus (iii) only for the purpose of calculating Borrowers'
                  compliance with subsection (b) of Section 10.4 hereof, the
                  amount of the EDC Financing then outstanding; to

                  (b)      EBITDA."

            2.8   The following Section 1.104.1 is hereby added to the Agreement
immediately after Section 1.05 of the agreement:

                  "1.104.1 'RS Program' shall mean the production by Borrowers,
                  pursuant to a contract with Daimler-Chrysler Motor Company, of
                  tooling for production platforms to be used in the production
                  of model year 2000 Chrysler Mini Vans."

            2.9   Section 1.120 of the Agreement is hereby amended and restated 
in its entirety as follows:


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<PAGE>   5


                  "1.120   'Tooling   Maximum'   shall  mean   Thirty   Eight   
                  Million   Dollars ($38,000,000)."

           2.10   Clause (g) of Section 10.3 of the Agreement is hereby amended 
and restated in its entirety as follows:

                  "(g) the EDC Financing and EDC Indemnifications to the extent
                  that the obligations thereunder (i) do not exceed Twenty Eight
                  Million Dollars ($28,000,000) and (ii) when added to the
                  Tooling Loans, do not exceed the Tooling Maximum;"

           2.11   Section 10.4 of the Agreement is hereby amended and restated 
in its entirety as follows:

                  "10.4    Financial Covenants.  Permit:

                  (a)      the Interest Coverage Ratio to be less than:

                           (i)      from the date hereof to and  including  the 
                  end of Borrower's third fiscal quarter for Borrowers' 1999 
                  fiscal year: 1.6:1;

                           (ii) thereafter until and including the last day of
                  the second quarter of Borrowers' 2000 fiscal year: 1.75:1;

                           (iii) thereafter to and including the last day of the
                  first quarter of Borrowers' 2001 fiscal year: 1.6:1;

                           (iv) thereafter until the last day of the third
                  fiscal quarter of Borrowers' 2001 fiscal year: 1.75:1; and

                           (v)      at all times thereafter 2.0:1.

                  (b)      the Leverage Ratio to exceed:

                           (i)      from the date  hereof  to and  including  
                  the last day of the third quarter for Borrowers' 1999 fiscal 
                  year: 7.0:1;

                           (ii) thereafter until and including the last day of
                  the second fiscal quarter of Borrowers' 2001 fiscal year:
                  6.5:1;

                           (iii) thereafter until and including the last day of
                  Borrowers' 2001 fiscal year: 5.5:1; and

                           (iv)     at all times thereafter, 5.0:1.

                  (c) the Net Worth to be less than the sum of (i) (x) at all
                  times to and including the last day of Borrower's 1999
                  fiscal year, negative Eight Million 


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<PAGE>   6

                  Dollars (-$8,000,000) , and (y) at all times thereafter,
                  negative Thirteen Million Dollars (-$13,000,000), plus (ii)
                  fifty percent (50%) of Net Income for each quarter of
                  Borrowers in which Net Income is a positive amount
                  commencing the quarter ended December 31, 1998, plus (iii)
                  one hundred percent (100%) of Net Proceeds of the Initial
                  Public Offering."

           2.12   Exhibit "J" is hereby amended to the Agreement in the form 
attached as Exhibit "J" hereto.

3.         REPRESENTATIONS

           Borrowers hereby represents and warrants that:

            3.1   Execution, delivery and performance of this Amendment and any 
other documents and instruments required under this Amendment or the Agreement
are within Borrowers' powers, have been duly authorized, are not in
contravention of law or the terms of Borrowers' Articles of Incorporation or
Bylaws, and do not require the consent or approval of any governmental body,
agency, or authority.

            3.2   This Amendment, and the Agreement as amended by this
Amendment, and any other documents and instruments required under this Amendment
or the Agreement, when issued and delivered under this Amendment or the
Agreement, will be valid and binding in accordance with their terms.

            3.3   The continuing representations and warranties of Borrowers 
set forth in Sections 8.1 through 8.7 and 8.9 through 8.19 of the Agreement are 
true and correct on and as of the date hereof with the same force and effect as 
made on and as of the date hereof.

            3.4   The continuing representations and warranties ofBorrowers 
set forth in Section 8.8 of the Agreement are true and correct as of the date 
hereof with respect to the most recent financial statements furnished to Bank by
Borrowers in accordance with Section 9.1 of the Agreement.

            3.5   To the best of Borrowers' knowledge, no Event of Default, or 
condition or event which, with the giving of notice or the running of time, or
both, would constitute an Event of Default under the Agreement, has occurred and
is continuing as of the date hereof. 

4. WAIVER

            4.1   This  Amendment,  when it becomes  effective in accordance  
with Section 5.1 hereof shall constitute the waiver by Agent and the Banks of
Borrowers failure to comply with Subsection (c) of Section 10.4 of the Agreement
as of the last day of Borrower's 1998 fiscal year. 

5. MISCELLANEOUS

            5.1   This Amendment may be executed in as many counterparts as 
Agent, Banks and Borrowers deem convenient and shall be deemed to be effective
upon satisfaction of the following conditions: (a) delivery to Agent of


                                      -6-
<PAGE>   7

counterparts hereof executed by each of the parties; (b) delivery by Borrowers
to Agent, in form and substance satisfactory to Agent and the Banks, of each of
the documents and instruments listed on the Checklist attached as Exhibit "A"
hereto; and (c) payment by Borrowers to the Agent, for distribution to each Bank
executing this Amendment, an amendment and waiver fee in the amount of 20 basis
points on each such executing Bank's share of the Revolving Loan Commitment. 

            5.2   Borrowers, Agent and the Banks acknowledge and agree that, 
except as specifically amended and/or waived herein and hereby, all of the terms
and conditions of the Agreement and the Loan Documents, remain in full force and
effect in accordance with their original terms. 

            5.3   Borrowers shall pay all of Agent's legal costs and expenses 
(including attorneys' fees and expenses) incurred in the negotiation,
preparation and closing hereof, including, without limitation, costs of all lien
searches and financing statement filings.
            
            5.4   Except as specifically set forth herein, nothing set forth in 
this Amendment shall constitute, or be interpreted or construed to constitute, a
waiver of any right or remedy of Agent or the Banks, or of any default or Event
of Default whether now existing or hereafter arising.






                            [SIGNATURE PAGE FOLLOWS]



                                      -7-

<PAGE>   8



         WITNESS the due execution hereof as of the day and year first above
written.

<TABLE>
<CAPTION>
<S>                                                         <C>   

TALON AUTOMOTIVE GROUP, INC.                                VELTRI METAL PRODUCTS CO.


By:                                                         By:
   --------------------------------                            --------------------------------
Its:                                                        Its:
    -------------------------------                             -------------------------------

COMERICA BANK, as Agent and Bank                            LASALLE NATIONAL BANK


By:                                                         By:
   --------------------------------                            --------------------------------
Its:                                                        Its:
    -------------------------------                             -------------------------------

NATIONAL BANK OF CANADA,                                    PARIBAS
  NEW YORK BRANCH

By:                                                         By:
   --------------------------------                            --------------------------------
Its:                                                        Its:
    -------------------------------                             -------------------------------
                                                            And

                                                            By:
                                                               --------------------------------
                                                            Its:
                                                                -------------------------------

MICHIGAN NATIONAL BANK                                      BANK BOSTON, N.A.


By:                                                         By:
   --------------------------------                            --------------------------------
Its:                                                        Its:
    -------------------------------                             -------------------------------
</TABLE>

DRESDNER BANK AG NEW YORK and
GRAND CAYMEN BRANCHES

By:
   --------------------------------
Its:
    -------------------------------





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