<PAGE>
                                  EXHIBIT 10(y)

                               AMENDMENT NO. 4 TO
              FIFTH AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT
                         DATED AS OF SEPTEMBER 22, 2003

     THIS AMENDMENT NO. 4 ("Amendment No. 4") dated as of March 29, 2005 between
MAX & ERMA'S RESTAURANTS, INC., a Delaware corporation (the "Company"), and
NATIONAL CITY BANK, as successor by merger to THE PROVIDENT BANK, an Ohio
banking corporation (the "Bank").

                                   WITNESSETH:

     WHEREAS, the Company and the Bank, parties to the Fifth Amended and
Restated Revolving Credit Agreement, dated as of September 22, 2003, as amended
by Amendment No.1 dated as of December 31, 2003, Amendment No. 2 dated as of May
17, 2004 and Amendment No. 3 dated as of December 17, 2004 (the "Agreement"),
have agreed to amend the Agreement by this Amendment No. 4 on the terms and
conditions hereinafter set forth. Terms not otherwise defined herein are used as
defined in the Agreement as amended hereby.

     NOW, THEREFORE, the Company and the Bank hereby agree as follows:

     Section 1. Amendment of the Agreement. The Agreement is, effective the date
hereof, hereby amended as follows:

     1.1. The parties acknowledge and agree that National City Bank is the
permitted successor and assign of The Provident Bank by virtue of its merger
with The Provident Bank, and that National City Bank shall be treated as the
"Bank" for all purposes under the Agreement and the Loan Documents.

     1.2. The Bank and the Company acknowledge and agree that, pursuant to
Section 1.1.4 of the Agreement, the "Term Loan Maturity Date" has been
automatically extended to March 1, 2007. Furthermore, the Bank and the Company
acknowledge and agree that, pursuant to Section 1.1.5(a) of the Agreement, the
"Revolving Credit Maturity Date" has been automatically extended to March 1,
2007.

     1.3. Exhibit C-7 attached hereto amends and restates in its entirety
Exhibit C-6.

     Section 2. Governing Law. This Amendment No. 4 shall be governed by and
construed in accordance with the laws of the State of Ohio.

     Section 3. Costs and Expenses. The Company hereby agree to pay on demand
all reasonable costs and expenses of the Bank in connection with the
preparation, execution and delivery of this Amendment No. 4 and the other
documents to be delivered in connection herewith, including, without limitation,
the reasonable fees and out-of-pocket expenses of counsel to the Bank with
respect thereto.

<PAGE>

     Section 4. Counterparts. This Amendment No. 4 may be executed in any number
of counterparts and by different parties hereto in separate counterparts, each
of which when so executed shall be deemed to be an original and all of which
when taken together shall constitute one and the same agreement.

     Section 5. Warrant of Attorney. The undersigned and all indorsers authorize
any attorney at law, including an attorney engaged by the holder, to appear in
any court of record in Columbus, Ohio, after the indebtedness evidenced hereby,
or any part thereof, becomes due and waive the issuance and service of process
and confess judgment against any one or more than one of the undersigned and all
indorsers in favor of the holder, for the amount then appearing due, together
with costs of suit and, thereupon, to release all errors and waive all rights of
appeal and stay of execution, but no such judgment or judgments against any one
of the undersigned shall be a bar to a subsequent judgment or judgments against
any one or more than one of such persons against whom judgment has not been
obtained hereon. The foregoing warrant of attorney shall survive any judgment;
and if any judgment be vacated for any reason, the holder hereof nevertheless
may thereafter use the foregoing warrant of attorney to obtain an additional
judgment or judgments against the undersigned and all indorsers or any one or
more of them. The undersigned and all indorsers hereby expressly waive any
conflict of interest that the holder's attorney may have in confessing such
judgment against such parties and expressly consent to the confessing attorney
receiving a legal fee from the holder for confessing such judgment against such
parties.

     Section 6. Conditions Precedent. Simultaneously with the execution hereof,
the Bank shall receive all of the following, each dated the date hereof, in form
and substance satisfactory to the Bank:

          6.1. The certificate of an officer of the Company certifying the
resolutions of the board of directors of the Company evidencing authorization of
the execution, delivery, and performance of this Amendment No. 4 and all
documents evidencing other necessary corporate action and governmental
approvals, if any, with respect to the Loan Documents, or the transactions
contemplated.

          6.2. Executed versions of Amendment No. 4.

          6.3. Payment of the amendment fee of $10,000 as required by Section
1.1.5(a) of the Agreement.

          6.4. Such other documents as the Bank may, in its reasonable
discretion, so require.

     Section 7. Reaffirmation of Representations and Warranties; No Defaults.
The Company hereby expressly acknowledges and confirms that the representations
and warranties of the Company set forth in Section 4 of the Agreement, as
amended, are true and accurate on this date with the same effect as if made on
and as of this date; that no financial condition or circumstance exists which
would inevitably result in the occurrence of an Event of Default under Section 7
of the Agreement; and that no event has occurred or no condition exists which
constitutes, or with the running of time or the giving of notice would
constitute an Event of Default under Section 7 of the Agreement.

<PAGE>

     Section 8. Reaffirmation of Documents. Except as herein expressly modified,
the parties hereto ratify and confirm all of the terms, conditions, warranties
and covenants of the Agreement, and all security agreements, pledge agreements,
mortgage deeds, assignments, subordination agreements, or other instruments or
documents executed in connection with the Agreement, including provisions for
the payment of the Notes pursuant to the terms of the Agreement. The parties
hereto agree that this Amendment No. 4 does not constitute the extinguishment of
any obligation or indebtedness previously incurred nor does it in any manner
affect or impair any security interest granted to the Bank, all of such security
interests to be continued in full force and effect until the indebtedness
described herein is fully satisfied.

          The parties have executed this Amendment No. 4 as of the date first
above written.

WARNING - BY SIGNING THIS PAPER YOU GIVE UP YOUR RIGHT TO NOTICE AND COURT
TRIAL. IF YOU DO NOT PAY ON TIME A COURT JUDGMENT MAY BE TAKEN AGAINST YOU
WITHOUT YOUR PRIOR KNOWLEDGE AND THE POWERS OF A COURT CAN BE USED TO COLLECT
FROM YOU REGARDLESS OF ANY CLAIMS YOU MAY HAVE AGAINST THE CREDITOR WHETHER FOR
RETURNED GOODS, FAULTY GOODS, FAILURE ON HIS PART TO COMPLY WITH THE AGREEMENT,
OR ANY OTHER CAUSE.

MAX & ERMA'S RESTAURANTS, INC.          THE PROVIDENT BANK


By: /s/ William C. Niegsch, Jr.         By: /s/ Douglas E. Houser
    ---------------------------------       ------------------------------------
Name: William C. Niegsch, Jr.           Name: Douglas E. Houser
Its: Chief Financial Officer            Its: Senior Vice President

Address for Notices:                    Address for Notices:

4849 Evanswood Drive                    155 East Broad Street
Columbus, OH 43229                      Columbus, OH 43215
Attn: William C. Niegsch, Jr.           Attention: Douglas E. Houser
Telephone No.: 614-431-5800             Telephone No.: 614-463-7454
                                        Telecopy No.: 614-463-6770

<PAGE>

                                   EXHIBIT C-7

                         MAX & ERMA'S RESTAURANTS, INC.
                           AT THE FOLLOWING LOCATIONS:

                              [BORROWER TO UPDATE]

<TABLE>
<CAPTION>
                             ADDRESS                                   COUNTY
                             -------                                   ------
<S>                                                                <C>
739 S. Third St., Columbus, Ohio 43206                             Franklin
1904 Lake Club Drive, Columbus, Ohio 43232                         Franklin
8901 Kingsridge Drive, Dayton, Ohio 45459                          Montgomery
8930 Wesleyan Road, Indianapolis, IN 46268                         Marion
4550 Kenny Road, Columbus, Ohio 43220                              Franklin
31205 Orchard Lake Road, Farmington Hills, MI 48334                Oakland
1275 E. Dublin-Granville Road, Columbus, Ohio 43229                Franklin
8817 US 31 South, Indianapolis, IN 46227                           Marion
630 Stanwix St., Pittsburgh, PA 15222                              Allegheny
37714 Six Mile Road, Livonia, MI 48152                             Wayne
411 Metro Place North, Dublin, Ohio 43017                          Franklin
5533 Walnut Street, Shadyside, PA 15232                            Allegheny
1910 Cochran Road, Pittsburgh, PA 15220                            Allegheny
250 Merrill Street, Birmingham, MI 48009                           Oakland
5899 East 86th Street, Indianapolis, IN 46250                      Marion
220 City Center Drive, Columbus, Ohio 43215                        Franklin
445 E. Eisenhower Blvd., Suite 1, Ann Arbor, MI 48108              Washtenaw
306 Rand Road, Arlington Heights, IL 60004                         Cook
3750 W. Market St., Fairlawn, Ohio 44333                           Summit
30105 Detroit Road, Westlake, Ohio 44115                           Cuyahoga
2739 Fairfield Commons, Beavercreek, OH 45431                      Greene
447 N. Milwaukee Ave., Vernon Hills, IL 60061                      Lake
7800 Montgomery Road, Kenwood, Ohio 45236                          Hamilton
27466 Novi Road, #B237, Novi, MI 48377                             Oakland
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
                             ADDRESS                                   COUNTY
                             -------                                   ------
<S>                                                                <C>
3191 28th St., SE, Grand Rapids, MI 49508                          Kent
2020 W. 75th Street, Woodridge, Ill 60517                          DuPage
2475 Higgins Road, Hoffman Estates, IL 60195                       Cook
1317 Hamilton Road, Gahanna, OH 43230                              Franklin
8619 J.W. Clay Blvd., Charlotte, NC 28262                          Mecklenburg
6930 Miller Lane, Dayton, Ohio 45414                               Montgomery
936 Sheraton Drive, Mars, PA 16046                                 Allegheny
201 S. Bridewell Drive, Burr Ridge, IL 60521                       DuPage
33675 Solon Road, Solon, OH 44139                                  Cuyahoga
6420 Grand Avenue, Gurnee, IL 60031                                Lake
3030 Lakecrest Circle, Lexington, KY 40513                         Fayette
130 Andrew Drive, Pittsburgh, PA 15275                             Allegheny
2240 Canton Center North, Canton, MI 48187                         Wayne
1155 Mt. Vernon Highway, Atlanta, GA 30338                         Fulton
3040 Steve Reynolds Blvd., Duluth, GA 30095                        Gwinnett
1515 Polaris Parkway, Columbus, OH 43240                           Franklin
4279 Cemetery Road, Hilliard, OH 43026                             Franklin
1391 Arrowhead Drive, Maumee, OH 43537                             Lucas
28254 Diehl Road, Warrenville, IL 60555                            DuPage
1848 Alysheba Way, Lexington, KY 40509                             Fayette
7085 Engle Road, Middleburg Heights, OH 44130                      Cuyahoga
2740 Mosside Blvd, Monroeville, PA 15146                           Allegheny
2080 Interchange Road, Erie PA 16509                               Erie
9226 Schulze Drive, West Chester, OH 45069                         Butler
5792 Youngstown-Warren Road, Niles, OH 44446                       Trumbull
300 Monticello Avenue #156 (MacArthur Center), Norfolk, VA 23510   Norfolk
44899 Mound Road, Sterling Heights, MI 48314                       Macomb
2901 South Hurstbourne Parkway, Louisville, KY 40220               Jefferson
12195 North Meridian Street, Carmel, IN 46032                      Marion
7480 Sawmill Road, Dublin, OH 43016                                Franklin
900 Gamma Drive, Pittsburgh, PA 15238                              Allegheny
6051 Timber Ridge Drive, Prospect, KY 40059                        Jefferson
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
                             ADDRESS                                   COUNTY
                             -------                                   ------
<S>                                                                <C>
8700 Sam Furr Road, Huntersville, NC 28078                         Mecklenburg
2631 Edmondson Road, Norwood, OH 45209                             Hamilton
3940 Rivertown Parkway SW, Grandville, MI 49418                    Kent
6260 Intech Commons Drive, Indianapolis, IN 46278                  Marion
4255 Baldwin Road, Auburn Hills, MI 48326                          Oakland
20506 North Rand Road, Deer Park, IL 60010                         Lake
178 Easton Town Center, Columbus, OH 43219                         Franklin
5150 William Flynn Highway, Gibsonia, PA 15044                     Allegheny
2515 Lake Lansing Road, Lansing, MI 48912                          Ingham
7890 Mentor Avenue, Mentor, OH 44060                               Lake
4093 Washington Road, McMurray, PA 15317                           Washington
122 North Adams Road, Rochester Hills, MI 48309                    Oakland
3921 Summit Plaza Drive, Louisville, KY 40241                      Jefferson
5020 Tiedeman Road, Brooklyn, OH 44144                             Cuyahoga
805 Eastgate North Drive, Cincinnati, OH 45245                     Clermont
8050 East Broad Street, Reynoldsburg, OH 43068                     Franklin
7050 W. Central Avenue, Toledo, OH 43617                           Lucas
6601 Newburgh Road, Westland, MI 48185                             Wayne
4512 Virginia Beach Blvd., Virginia Beach, VA 23462                Virginia Beach
790 N. State Street, Westerville, OH 43081                         Franklin
4320 Everhard Road, N.W., Canton, OH 44718                         Stark
1210 Levis Commons Blvd., Perrysburg, OH 43551                     Lucas
</TABLE>