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                                                                    EXHIBIT 4.23

THIS WARRANT AND THE SHARES OF STOCK OF FINET.COM, INC. TO BE ISSUED UPON ANY
EXERCISE OF THIS WARRANT HAVE NOT BEEN REGISTERED WITH THE SECURITIES AND
EXCHANGE COMMISSION UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER ANY
STATE SECURITIES LAWS AND ANY SALE, TRANSFER, PLEDGE OR OTHER DISPOSITION
THEREOF MAY BE MADE ONLY (i) IN A REGISTRATION UNDER SAID ACT OR (ii) IF AN
EXEMPTION FROM REGISTRATION UNDER SAID ACT AND APPLICABLE STATE SECURITIES LAWS
IS AVAILABLE AND THE COMPANY HAS RECEIVED AN OPINION OF COUNSEL TO THAT EFFECT
REASONABLY SATISFACTORY TO IT.

                                 FINET.COM, INC.

                          COMMON STOCK PURCHASE WARRANT
                TO PURCHASE__________ SHARES OF THE COMMON STOCK
                               OF FINET.COM, INC.

                      This Warrant Expires __________, 2005

Warrant No. _________

     THIS CERTIFIES that, subject to the terms and conditions set forth in this
Warrant, ________________________ (the "Holder") is entitled to purchase from
FINET.COM, INC., a Delaware corporation (the "Company"), at any time or from
time to time during the Exercise Period (as defined in Section 15 below) the
number of fully paid and non-assessable shares of common stock, par value $.01
per share, of the Company (the "Shares") as provided herein upon surrender of
this Warrant at the principal office of the Company, and, at the election of the
Holder, upon payment of the purchase price at said office in cash or by
cashier's check or by the wire transfer of funds in a dollar amount equal to the
purchase price of the Shares for which the consideration is being given.

     This Warrant shall be exercisable for that number of Shares as set forth
above.

     1.   PURCHASE PRICE. The purchase price of one share of Common Stock (or
such securities as may be substituted for one share of Common Stock pursuant to
the provisions set forth below) (the "Warrant Price") shall be Seventy-Five
Cents ($0.75).

     2.   ADJUSTMENT OF WARRANT PRICE AND NUMBER OF SHARES. The number and kind
of securities issuable upon the exercise of this Warrant shall be subject to
adjustment from time to time upon the happening of certain events as follows:

          (a)  ADJUSTMENT FOR DIVIDENDS IN STOCK. If, at any time on or after
the date hereof, the holders of the Common Stock of the Company (or any shares
of stock or other securities at the time receivable upon the exercise of this
Warrant) shall have received, or, on or after the record date fixed for the
determination of eligible

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stockholders, shall have become entitled to receive, without payment therefor,
other or additional stock of the Company by way of dividend (other than as
provided for in Section 2(b) below), then and in each such case, upon the
exercise of this Warrant, the Holder shall be entitled to receive, in addition
to the number of shares of Common Stock receivable and without payment of any
additional consideration, the amount of such other or additional stock of the
Company which the Holder would receive on the date of such exercise had it been
the holder of record of such Common Stock on the date hereof and had thereafter,
during the period from the date hereof to and including the date of such
exercise, retained such shares and/or all other additional stock receivable by
it during such period and given effect to all adjustments called for during such
period by this Section 2.

          (b)  ADJUSTMENT FOR CHANGES IN COMMON STOCK. In the event of changes
in the outstanding Common Stock of the Company by reason of split-ups,
recapitalizations, reclassifications, mergers, consolidations, combinations or
exchanges of shares, separations, reorganizations, liquidations, or the like,
the number and class of shares available under the Warrant in the aggregate and
the Warrant Price shall be correspondingly adjusted by the Board of Directors of
the Company. The adjustment shall be such as will give the Holder, upon exercise
for the same aggregate Warrant Price, the total number, class, and kind of
shares as the Holder would have owned had the Warrant been exercised prior to
the event and had the Holder continued to hold such shares until after the event
requiring adjustment.

     3.   NO FRACTIONAL SHARES. No fractional shares of Common Stock will be
issued in connection with any subscription under this Warrant. In lieu of any
fractional shares which would otherwise be issuable, the Company shall pay cash
equal to the product of such fraction multiplied by the fair market value of one
share of Common Stock on the date of exercise as determined in good faith by the
Company's Board of Directors.

     4.   NO STOCKHOLDER RIGHTS. This Warrant shall not entitle its holder to
any of the rights of a stockholder of the Company prior to its exercise.

     5.   RESERVATION OF STOCK. The Company covenants that during the period
this Warrant is exercisable, the Company will reserve from its authorized and
unissued Common Stock a sufficient number of shares to provide for the issuance
of Common Stock upon the exercise of this Warrant. The Company agrees that its
issuance of this Warrant shall constitute full authority to its officers who are
charged with the duty of executing stock certificates to execute and issue the
necessary certificates for shares of Common Stock upon the exercise of this
Warrant.

     6.   EXERCISE OF WARRANT. This Warrant may be exercised by the Holder or
its registered assigns, in whole or in part, by the surrender of this Warrant at
the principal office of the Company, together with the attached form of
subscription, duly executed, and accompanied by payment in full of the amount of
the Warrant Price in the form

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described in this Warrant. Upon partial exercise of this Warrant, a new warrant
or warrants containing the same date and provisions as this Warrant shall be
issued by the Company to the Holder for the number of shares of Common Stock
with respect to which this Warrant shall not have been exercised. A Warrant
shall be deemed to have been exercised immediately prior to the close of
business on the date of its surrender for exercise as provided above, and the
person entitled to receive the shares of Common Stock issuable upon such
exercise shall be treated for all purposes as the holder of such shares of
record as of the close of business on such date. As promptly as practicable on
or after such date, the Company shall issue and deliver to the person or persons
entitled to receive the shares, a certificate or certificates for the number of
full shares of Common Stock issuable upon such exercise, together with cash in
lieu of any fraction of a share as provided above.

     7.   CERTIFICATE OF ADJUSTMENT. Whenever the Warrant Price is adjusted as
provided in Section 2, the Company shall promptly deliver to the record holder
of this Warrant a certificate of an officer of the Company setting forth the
relevant Warrant Price or number of shares after such adjustment and setting
forth a brief statement of the facts requiring such adjustment.

     8.   COMPLIANCE WITH SECURITIES ACT. The Holder, by acceptance of this
Warrant, agrees that this Warrant and the shares of Common Stock to be issued
upon its exercise (or shares of any security into which such Common Stock may be
converted) (the "Shares") are being acquired for investment and that the Holder
will not offer, sell, or otherwise dispose of this Warrant and any shares of
Common Stock to be issued upon its exercise (or shares of any security into
which such Common Stock may be converted) except under circumstances which will
not result in a violation of the Securities Act of 1933, as amended (the
"Securities Act"). Upon exercise of this Warrant, the Holder shall, if requested
by the Company, confirm in writing its investment purpose and acceptance of the
restrictions on transfer of the Shares.

     9.   REGISTRATION RIGHTS.

          PIGGY-BACK REGISTRATION RIGHTS. If, at any time after the five (5)
month anniversary of the Issuance Date and ending ten (10) years thereafter, the
Company shall determine to register under the Securities Act any shares of
Common Stock to be offered for cash by it or others, pursuant to a registration
statement on Form S-3 or its equivalent (the "Registration Statement"), the
Company will (i) promptly give written notice to Holder of its intention to file
such Registration Statement and (ii) at the Company's expense (which shall
include, without limitation, all registration and filing fees, printing
expenses, fees and disbursements of counsel and independent accountants for the
Company, and fees and expenses incident to compliance with state securities law,
but shall not include fees and disbursements of counsel for Holder) include
among the securities covered by the Registration Statement such portions of the
Shares then held by Holder as shall be specified in a written request to the
Company within thirty (30) days after the date on which the Company gave the
notice described in (i) above.

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          Upon receipt of such written request and of the Shares specified in
the request (any shareholder requesting registration being individually called a
"Selling Shareholder"), the Company shall (i) use its reasonable best efforts to
effect the registration, qualification or compliance of the Shares under the
Securities Act and under any other applicable federal law and any applicable
securities or blue sky laws of jurisdictions within the United States; (ii)
furnish each Selling Shareholder such number of copies of the prospectus
contained in the Registration Statement filed under the Securities Act
(including preliminary prospectus) in conformity with the requirements of the
Securities Act, and such other documents as the Selling Shareholder may
reasonably request in order to facilitate the disposition of the Shares covered
by the Registration Statement; (iii) notify each Selling Shareholder, at any
time when a prospectus relating to the Shares covered by such Registration
Statement is required to be delivered under the Securities Act, of the happening
of any event as a result of which the prospectus forming a part of such
Registration Statement, as then in effect, includes an untrue statement of a
material fact or omits to state any material fact required to be stated therein
or necessary to make the statements therein not misleading; and (iv) at the
request of the Selling Shareholder, prepare and furnish to the Selling
Shareholder any reasonable number of copies of any supplement to or amendment of
such prospectus as may be necessary so that, as thereafter delivered to
purchasers of the Shares, such prospectus shall not include an untrue statement
of a material fact or omit to state a material fact required to be stated
therein or necessary to make the statements therein not misleading.

          (a)  REGISTRATION OF UNDERWRITTEN OFFERING. If the offering of Common
Stock to be registered by the Company pursuant to the Registration Statement is
underwritten, each Selling Shareholder shall sell the Shares to or through the
underwriter(s) of the Common Stock being registered for the account of the
Company or others upon the same terms applicable to the Company or others. If
the managing underwriter(s) reasonably determine that all or any portion of the
Shares held by the Selling Shareholder should not be included in the
Registration Statement, then notwithstanding anything to the contrary in this
Section, the determination of such underwriter(s) shall be conclusive; provided,
however, that if such underwriter(s) determine that some but not all of the
Shares of the Selling Shareholder shall be included in the Registration
Statement, the number of Shares owned by each Selling Shareholder to be included
in the Registration Statement will be proportionately reduced in accordance with
the respective written requests given as provided above.

          (b)  INDEMNIFICATION. In the event that the Shares are included in a
Registration Statement under this Section 9, the Company will indemnify and hold
harmless each Selling Shareholder and each other person, if any, who controls
such Selling Shareholder within the meaning of Section 15 of the Securities Act
against any losses, claims, damages or liabilities, joint or several, to which
such Selling Shareholder or controlling person may become subject under the
Securities Act or otherwise, insofar as such losses, claims, damages or
liabilities (or actions in respect thereof) arise out of are based upon any
untrue statement or alleged untrue statement of any material fact contained in
the Registration Statement pursuant to which the Shares were registered, any

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preliminary prospectus or final prospectus contained therein, or any amendment
or supplement thereto, or arise out of or are based upon the omission or alleged
omission to state a material fact required to be stated therein or necessary to
make the statements not misleading, or arise out of or are based upon the
failure by the Company to file any amendment or supplement to the Registration
Statement that was required to be filed under the Securities Act, and will
reimburse such Selling Shareholder and each such controlling person for any
legal or any other expenses reasonably incurred by them in connection with
investigating or defending any such loss, claim, damage, liability or action.

          Notwithstanding the foregoing, the Company will not be liable in any
such case to a Selling Shareholder to the extent that any such loss, claim,
damage, or liability arises out of or is based upon an untrue statement or
omission made in such Registration Statement, preliminary prospectus, final
prospectus or amendment or supplement in reliance upon and in conformity with
written information furnished to the Company through an instrument duly executed
by or on behalf of that Selling Shareholder specifically for use in the
preparation of such Registration Statement, preliminary prospectus, final
prospectus, or amendment or supplement. It shall be a condition precedent to the
obligation of the Company to take any action pursuant to this Section that the
Company shall have received an undertaking satisfactory to it from each Selling
Shareholder to indemnify and hold harmless the Company (in the same manner and
to the same extent as set forth in this Section), each director of the Company,
each officer who shall sign such Registration Statement, and any persons who
control the Company within the meaning of the Securities Act, with respect to
any statement or omission from such Registration Statement, preliminary
prospectus, or any final prospectus contained therein, or any amendment or
supplement thereto, if such statement or omission was made in reliance upon and
in conformity with written information furnished to the Company through an
instrument duly executed by the indemnifying party specifically for use in the
preparation of such Registration Statement, preliminary prospectus, final
prospectus, or amendment or supplement.

          Promptly following receipt by an indemnified party of notice of the
commencement of any action involving a claim referred to above in this Section
9(c), such indemnified party will, if a claim in respect thereof is to be made
against an indemnifying party, give written notice to the latter of the
commencement of such action; provided, however, that any failure to so notify an
indemnifying party shall not relieve such indemnifying party from any liability
hereunder to the extent it is not materially prejudiced as a result and in any
event shall not relieve it from any liability which it may have otherwise on
account of this indemnity agreement. An indemnifying party may participate at
its own expense in the defense of any such action; provided, however, that
counsel to the indemnifying party shall not (except with the consent of the
indemnified party) also be counsel to the indemnified party. In no event shall
the indemnifying parties be liable for fees and expenses of more than one
counsel (in addition to any local counsel) separate from their own counsel for
all indemnified parties in connection with any one action or separate but
similar or related actions in the same jurisdiction arising

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out of the same general allegations or circumstances. No indemnifying party
shall, without the prior written consent of the indemnified parties, settle or
compromise or consent to the entry of any judgment with respect to any
litigation, or any investigation or proceeding by any governmental agency or
body, commenced or threatened, or any claim whatsoever in respect of which
indemnification or contribution could be sought under this Section 9 or Section
10 below (whether or not the indemnified parties are actual or potential
parties), unless such settlement, compromise or consent (i) includes an
unconditional release of each indemnified party from all liability arising out
of such litigation, investigation, proceeding or claim and (ii) does not include
a statement as to or an admission of fault, culpability or a failure to act by
or on behalf of any indemnified party.

          (c)  BINDING PROVISIONS. The provisions of this Section 9 shall be
binding on the successors of the Company.

          (d)  CONFLICTS. To the extent that the Company's compliance with the
obligations set forth in Sections 9(a) through 9(d) above would conflict with or
otherwise cause a breach of or default under any of its existing obligations
pursuant to any agreements to which it currently is a party, the Company's
failure to comply with those obligations shall not be deemed a breach of this
agreement.

          (e)  TRANSFER OF REGISTRATION RIGHTS. The rights to cause the Company
to register the Shares granted to the Holder by the Company under this Section 9
may be assigned by the Holder to a transferee or assignee of this Warrant or any
of the Shares, provided that the Company is given written notice by the Holder
at the time of or within a reasonable time after said transfer, stating the name
and address of the transferee or assignee and identifying the Shares with
respect to which the registration rights are being assigned.

     10.  CONTRIBUTION.

          (a)  If the indemnification provided for in Section 9 above is for any
reason unavailable or insufficient to hold harmless an indemnified party in
respect of any losses, liabilities, claims, damages or expenses referred to in
Section 9, then each indemnifying party shall contribute to the aggregate amount
of such losses, liabilities, claims, damages and expenses incurred by such
indemnified party (i) in such proportion as is appropriate to reflect the
relative benefits received by the Selling Shareholder on the one hand and the
Company on the other hand from the offer and sale of the Purchase Shares
pursuant to this Agreement, or (ii) if the allocation provided by clause (i) is
not permitted by applicable law, in such proportion as is appropriate to reflect
not only the relative benefits referred to in clause (i) above but also the
relative fault of the Selling Shareholder on the one hand and of the Company on
the other hand in connection with the statements or omissions which resulted in
such losses, liabilities, claims, damages or expenses, as well as any other
relevant equitable considerations.

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          (b)  The relative fault of the Company on the one hand and the Selling
Shareholder on the other hand shall be determined by reference to, among other
things, whether any such untrue or alleged untrue statement of a material fact
or omission or alleged omission to state a material fact relates to information
supplied by the Company or by the Selling Shareholder and the parties' relative
intent, knowledge, access to information and opportunity to correct or prevent
such statement or omission.

          (c)  The Company and the Selling Shareholder agree that it would not
be just and equitable if a contribution pursuant to this Section 10 were
determined by pro rata allocation or by any other method of allocation which
does not take account of the equitable considerations referred to above. The
aggregate amount of losses, liabilities, claims, damages and expenses incurred
by an indemnified party and referred to above in this Section 10 shall be deemed
to include any legal or other expenses reasonably incurred by such indemnified
party in investigating, preparing or defending against any litigation, or any
investigation or proceeding by any governmental agency or body, commenced or
threatened, or any claim whatsoever based upon any such untrue or alleged untrue
statement or omission or alleged omission.

          (d)  No person guilty of fraudulent misrepresentation (within the
meaning of Section 11(f) of the Securities Act) shall be entitled to
contribution from any person who was not guilty of such fraudulent
misrepresentation.

          (e)  For purposes of this Section 10, each person, if any, who
controls the Selling Shareholder within the meaning of Section 15 of the
Securities Act or Section 20 of the Securities Exchange Act of 1934 ("1934 Act")
shall have the same rights to contribution as such Selling Shareholder, and each
director of the Company, each officer of the Company, and each person, if any,
who controls the Company within the meaning of Section 15 of the Securities Act
or Section 20 of the 1934 Act shall have the same rights to contribution as the
Company.

     11.  SUBDIVISION OF WARRANT. At the request of the holder of this Warrant
in connection with a transfer or exercise of a portion of the Warrant and upon
surrender of this Warrant for such purpose to the Company, the Company at its
expense (except for any transfer tax payable) will issue in exchange warrants of
like tenor and date representing in the aggregate the right to purchase such
number of shares of Common Stock as shall be designated by such holder at the
time of such surrender; provided, however, that the Company's obligations to
subdivide securities under this Section shall be subject to and conditioned upon
the compliance of any such subdivision with applicable state securities laws and
with the Securities Act.

     12.  NOTICES OF RECORD DATE. In case:

          (a)  the Company shall take a record of the holders of its Common
Stock (or other stock or securities at the time receivable upon the exercise of
the Warrant) for the purpose of entitling them to receive any dividend or other
distribution, or any

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rights to subscribe for or purchase any shares of stock of any class or any
other securities, or to receive any other right, or

          (b)  of any capital reorganization of the Company, any
reclassification of the capital stock of the Company, any consolidation or
merger of the Company with or into another corporation, or any conveyance of all
or substantially all of the assets of the Company to another corporation, or

          (c)  of any voluntary dissolution, liquidation or winding-up of the
Company; then, and in each such case, the Company will mail or cause to be
mailed to each holder of a Warrant at the time outstanding a notice specifying,
as the case may be, (i) the date on which a record is to be taken for the
purpose of such dividend, distribution or right, and stating the amount and
character of such dividend, distribution or right, or (ii) the date on which
such reorganization, reclassification, consolidation, merger, conveyance,
dissolution, liquidation or winding-up is to take place, and the time, if any is
to be fixed, as of which the holders of record of Common Stock or such other
stock or securities at the time receivable upon the exercise of the Warrant
shall be entitled to exchange their shares of Common Stock (or such other stock
or securities) for securities or other property deliverable upon such
reorganization, reclassification, consolidation, merger, conveyance,
dissolution, liquidation or winding-up. Such notice shall be mailed at least 30
days prior to the date therein specified.

     13.  LOSS, THEFT, DESTRUCTION, OR MUTILATION OF WARRANT. Upon receipt by
the Company of evidence reasonably satisfactory to it of the loss, theft,
destruction, or mutilation of this Warrant, and in the case of loss, theft, or
destruction, receipt of indemnity or security reasonably satisfactory to it and
reimbursement to the Company of all reasonable expenses incidental thereto, and
in the case of mutilation, upon surrender and cancellation of this Warrant, the
Company will make and deliver a new Warrant of like tenor and dates as of such
cancellation, in lieu of this Warrant.

     14.  MISCELLANEOUS. This Warrant shall be governed by the laws of the State
of California. The headings in this Warrant are for purposes of convenience and
reference only and shall not be deemed to constitute a part of this Warrant.
Neither this Warrant nor any term included may be changed, waived, discharged,
or terminated orally but only by an instrument in writing signed by the Company
and the registered holder. All notices and other communications from the Company
to the Holder shall be by telecopy or

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expedited courier service to the address furnished to the Company in writing by
the last holder of this Warrant who shall have furnished an address to the
Company in writing.

     15. EXERCISE PERIOD. The Exercise Period shall mean the period commencing
on _____________, 2000 and ending on ____________, 2005.

     ISSUED this ____ day of __________, 2000.

                                       FINET.COM, INC.
                                       a Delaware corporation

                                       By:
                                          -------------------------------------
                                          Rick Cossano
                                          President and Chief Executive Officer

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                               FORM OF ASSIGNMENT
                                 FINET.COM, INC.

     FOR VALUE RECEIVED the undersigned registered owner of this Warrant hereby
sells, assigns, and transfers unto the Assignee named below all of the rights of
the undersigned under the within Warrant, with respect to the number of shares
of Common Stock set forth below:

NAME OF ASSIGNEE               ADDRESS                   NUMBER OF SHARES







The undersigned does hereby irrevocably constitute and appoint _______________
_______________________ Attorney to make such transfer on the books of
FINET.COM, INC. maintained for the purpose, with full power of substitution in
the premises.

Dated:
      --------------------

                                        ------------------------------------
                                        Name of Warrant Holder

                                        Signature:
                                                  --------------------------

Witness:
        -------------------------------

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                                SUBSCRIPTION FORM
                                 FINET.COM, INC.

                 (To be executed only upon exercise of Warrant)

     The undersigned registered owner of this Warrant irrevocably exercises this
Warrant for and purchases ________________ of the number of shares of Common
Stock of FINET.COM, INC. purchasable with this Warrant, and herewith makes
payment therefor, all at the price and on the terms and conditions specified in
this Warrant.

Dated:
      --------------------

                                       ------------------------------------
                                       (Signature of Registered Owner)

                                       ------------------------------------
                                       (Street Address)

                                       ------------------------------------
                                       (City)     (State)     (Zip Code)

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