Exhibit 10.6


                     CONVERTIBLE REVOLVING CREDIT AGREEMENT

$750,000                                                        January 31, 2002

Quick-Med Technologies, Inc., a Delaware corporation ("QMT"), promises to pay to
Michael Granito ("Lender") or order, at 30 East 37th Street, New York, New York
10016 or such other address as may be designated by Lender in writing from time
to time such sum that has been advanced to QMT by Lender (the "Principal
Amount"), plus interest thereon at the rate hereafter set forth. This Agreement
supercedes and shall govern the $565,000 Principal Amount currently owed to
Lender by QMT.

1.   Lender agrees to make up to $750,000 available to QMT on QMT's demand. In
     order to borrow under this Agreement, QMT shall give Lender at least five
     business days' written notice of the desired borrowing amount.

2.   Interest shall accrue on the unpaid Principal Amount of this Agreement from
     the date hereof until the Principal Amount is repaid in full, at an
     interest rate equal to six percent (6%) per annum. All computations of the
     interest rate hereunder shall be made on the basis of a year of 365 days on
     the actual number of days (including the first day but excluding the last
     day) any Principal Amount is outstanding.

3.   The Principal Amount and all interest thereon shall be paid to Lender on or
     before December 31, 2002 (the "Maturity Date") or at such other time and
     manner as the parties hereto agree, in writing.

4.   If the Principal Amount is not repaid at the Maturity Date, Lender shall
     have the option to convert the Principal Amount, together with accrued but
     unpaid interest, at any time or from time to time, in whole or in part,
     into QMT Common Stock at a rate equal to $1.00 per share, subject to
     adjustment in the case of stock splits and other recapitalizations.

5.   Lender shall keep a record of the amount and the date of the making of each
     advance pursuant to this Agreement and each payment of principal with
     respect thereto by endorsing such information on the schedule annexed
     hereto and made a part hereof. Lender shall promptly provide to QMT a copy
     of each newly endorsed modification to the schedule.

6.   Both principal and interest are payable in lawful money of the United
     States of America to the account of Lender by wire transfer of same day
     funds to the account of Lender at such banking institution as Lender
     designates or, if requested by Lender, by certified or bank cashier's check
     payable to Lender mailed to Lender at the address of Lender as set forth on
     the records of QMT or such other address as shall be designated in writing
     by Lender to QMT.

7.   If any of the following conditions or events ("Events of Default") shall
     occur (whether voluntary or involuntary or arising by operation of law or
     otherwise):

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     (a)  QMT shall default in the payment of any principal or interest under
          this Agreement, or any note given in connection with the transaction
          contemplated hereby;

     (b)  QMT (i) files, or consents by answer (or failure to contest) or
          otherwise to the filing against it of, a petition for relief or
          reorganization or arrangement of any other petition in bankruptcy, for
          liquidation or dissolution or to take advantage of any present or
          future bankruptcy or insolvency law of any jurisdiction, (ii) make an
          assignment for the benefit of its creditors, (iii) seek or consent to
          the appointment of a custodian, receiver, trustee, liquidator or other
          officer with similar powers of itself or of any substantial part of
          its property, (iv) be adjudicated a bankrupt or an insolvent or be
          liquidated or dissolved, or (v) take corporate action for the purpose
          of any of the foregoing; then, the unpaid principal amount of this
          Agreement, together with the interest accrued thereon as well as any
          unpaid principal and accrued interest on any note given in connection
          herewith and shall automatically become and be due and payable,
          without presentment, demand, protest, notice or other requirements of
          any kind, all of which are hereby expressly waived by QMT.

8.   If any Event of Default shall have occurred and be continuing for a period
     of twenty (20) days, the Lender may proceed to protect and enforce the
     rights available to it either by an action at law, suit in equity or both,
     whether for the specific performance of any agreement contained in this
     Agreement, or for an injunction against a violation of any of the terms
     hereof, or in aid of the exercise of any power granted hereby or by law or
     otherwise. QMT will pay the Lender all such further amounts to cover the
     cost and expenses of collection including, without limitation, reasonable
     attorneys' fees, expenses and disbursements.

9.   QMT hereby (i) agrees to perform and comply with each of the terms,
     covenants and provisions contained in this Agreement, (ii) waives
     presentment and demand for payment, notice of dishonor, protest and notice
     of protest, and (iii) agrees to pay all of Lender costs of collection when
     incurred, including reasonable attorneys' fees and expenses.

10.  This Agreement is subject to the express condition that at no time shall
     QMT be obligated or required to pay interest on the principal balance at a
     rate which could subject Lender to either civil or criminal liability as a
     result of being in excess of the maximum rate which QMT is permitted by law
     to contract or agree to pay. If by the terms of this Agreement QMT is at
     any time required or obligated to pay interest on the principal balance at
     a rate in excess of such maximum rate, the interest rate due hereunder
     shall be immediately reduced to such maximum rate and interest payments in
     excess of such maximum rate shall be applied and shall be deemed to have
     been payments in reduction of the principal balance.

11.  The amounts due under or pursuant to this Agreement may be prepaid in whole
     or in part without penalty or premium.

12.  This Agreement may not be changed or terminated orally, but only by an
     agreement in writing signed by the party against whom enforcement of such
     change or termination is sought.

13.  QMT represents that the obligations and debt referred to in this Agreement
     are valid, binding and enforceable against it.

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14.  This Agreement shall be governed by and construed under the laws of the
     State of Florida.

     QMT and Lender have duly executed this Revolving Credit Agreement on the
day and year set forth above.

Quick-Med Technologies, Inc.



By: /s/ David S. Lerner                       /s/ Michael Granito
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David Lerner, President                       Michael Granito



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                        LOANS AND REPAYMENT OF PRINCIPAL


Date      Amount of Loan      Amount of Principal Repaid      Notation Made By
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