Exhibit 10.22

FIRST AMENDMENT TO LOAN AGREEMENT

THIS FIRST AMENDMENT TO LOAN AGREEMENT (this "First Amendment" or this
"Amendment") is entered into as of February 27, 2007, by and between AMERICAN BUSINESS LENDING, INC., a Texas corporation
("Borrower"), and WELLS FARGO FOOTHILL, LLC, a Delaware limited liability company ("Lender"), with
reference to the following facts, which shall be construed as part of this First Amendment:

RECITALS

A.    Borrower
and Lender have entered into that certain Loan Agreement dated as of December 15, 2006 (as amended or modified from time to time, the
"Loan Agreement"), pursuant to which Lender is providing financial accommodations to or for the benefit of Borrower upon the terms and conditions
contained therein. Unless otherwise defined herein, capitalized terms or matters of construction defined or established in the Loan Agreement shall be applied herein as defined or established therein.

B.    Prosperity
Bank, as successor in interest by merger to each of State Bank, a Texas banking association, Gateway National Bank, a national banking association, and GNB
Financial, n.a., a national banking association (collectively, "Gateway Seller"), and Borrower are parties to that certain SBA Loan Portfolio Purchase
Agreement dated as of December 21, 2006 (as amended or modified from time to time, the "Gateway Portfolio Purchase Agreement"), pursuant to which
Borrower is acquiring from Gateway Seller all of the "Loans" as defined in the Gateway Portfolio Purchase Agreement (such "Loans" being the "Acquired Gateway
Loans" and such acquisition being the "Gateway Portfolio Acquisition").

C.    Borrower
has requested Lender to consent to the Gateway Portfolio Acquisition and to amend the Loan Agreement in order to provide additional financing required by
Borrower to fund the acquisition of the Acquired Gateway Loans.

D.    Borrower
and Lender desire to amend the Loan Agreement to the extent provided in, and subject to the terms and conditions of, this First Amendment.

AGREEMENT

NOW, THEREFORE, in consideration of the continued performance by Borrower of its promises and obligations under the Loan Agreement and the other Loan Documents,
and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Borrower and Lender hereby agree as follows:

1.Ratification and Incorporation of Loan Agreement and Other Loan Documents.    Except as expressly modified under
this First Amendment, (a) Borrower hereby acknowledges, confirms, and ratifies all of the terms and conditions set forth in, and all of its obligations under, the Loan Agreement and the other
Loan Documents, and (b) all of terms and conditions set forth in the Loan Agreement and the other Loan Documents are incorporated herein by this reference as if set forth in full herein.

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2.Amendments to the Loan Agreement.    The Loan Agreement is hereby amended as follows:



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Fiscal Quarters Ending

Minimum Tangible Net WorthDecember 31, 2006

$
2,800,000March 31, 2007

$
7,500,000June 30, 2007

$
7,200,000September 30, 2007

$
7,000,000December 31, 2007 and each fiscal quarter thereafter

$
7,500,000


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3.Consent to Gateway Portfolio Acquisition.    Subject to the terms and the satisfaction of the conditions
precedent set forth in this First Amendment, Lender hereby consents to Borrower's consummation of the Gateway Portfolio Acquisition pursuant to the Gateway Portfolio Purchase

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Agreement,
including Borrower's incurrence of the Indebtedness evidenced by the Gateway Non-Recourse Note.

4.Conditions Precedent.    Notwithstanding any other provision of this First Amendment, this First Amendment shall
be of no force or effect, and Lender shall not have any obligations hereunder, until the following conditions have been satisfied:



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5.Representations and Warranties re Loan Agreement.    Borrower hereby represents and warrants that the
representations and warranties contained in the Loan Agreement were true and correct in all material respects when made and, except to the extent that (a) a particular representation or
warranty by its terms expressly applies only to an earlier date, or (b) Borrower has previously advised Lender in writing as contemplated under the Loan Agreement, are true and correct in all
material respects as of the date hereof. Borrower hereby further represents and warrants that no event has occurred and is continuing, or would result from the transactions contemplated under this
First Amendment, that constitutes or would constitute a Default or an Event of Default.

6.Miscellaneous.



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[THE
REMAINDER OF THIS PAGE IS INTENTIONALLY BLANK]

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IN
WITNESS WHEREOF, the parties hereto have executed this First Amendment to Loan Agreement as of the day and year first above written.

| |  | AMERICAN BUSINESS LENDING, INC.,a Texas corporation           
| |  | --------------------------------------------------------------
| |  |                                                               
| |  |                                                               
| |  | By:                                                           
| |  |                                                               
| |  |                                                               
| |  | WELLS FARGO FOOTHILL, LLC,a Delaware limited liability company
| |  |                                                               
| |  |                                                               
| |  | By:                                                           

[Signature
Page to First Amendment to Loan Agreement]

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