U.S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-QSB

[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
     ACT OF 1934

                For the quarterly period ended February 28, 2005

[ ]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
     EXCHANGE ACT OF 1934

                         For the transition period from

                         Commission File No. 000-50815

                        THE MONEY TREE LENDING GROUP, INC.
        (Exact name of small business issuer as specified in its charter)

       Delaware                                                 37-1507454
(State or other jurisdiction of                             (I.R.S. Employer
incorporation or organization)                               Identification No.)


                            3400 Tamiami Trail, #203
                          Port Charlotte, Florida 33952
                    (Address of Principal Executive Offices)

                                  941-764-6767
                           (Issuer's telephone number)

                                Artcraft II Inc.
        650 SE Marine Drive, Vancouver, British Columbia V5S 4R6 (Former
          name, address and fiscal year, if changed since last report)

Check whether the issuer (1) has filed all reports required to be filed by
Section 13 or 15(d) of the Exchange Act during the preceding 12 months (or for
such shorter period that the issuer was required to file such reports), and (2)
has been subject to such filing requirements for the past 90 days.
Yes [X] No [ ]


Check whether the registrant has filed all documents and reports required to be
filed by Sections 12, 13, or 15(d) of the Exchange Act subsequent to the
distribution of securities under a plan confirmed by a court. Yes [X] No [ ]

State the number of shares outstanding of each of the issuer's classes of common
equity, as of April 15, 2005: 25,200,000 shares of common stock.





<PAGE>

                       THE MONEY TREE LENDING GROUP, INC.
                              FINANCIAL STATEMENTS

                                      INDEX


Part I-- FINANCIAL INFORMATION

  Item 1. Financial Statements

  Item 2. Management's Discussion and Analysis of Financial Condition

  Item 3. Control and Procedures

Part II-- OTHER INFORMATION

  Item 1. Legal Proceedings

  Item 2. Changes in Securities

  Item 3. Defaults Upon Senior Securities

  Item 4. Submission of Matters to a Vote of Security Holders

  Item 5. Other Information

  Item 6. Exhibits and Reports on Form 8-K

Signature

<PAGE>

Item 1. Financial Information
-----------------------------

BASIS OF PRESENTATION

The accompanying reviewed financial statements are presented in accordance with
generally accepted accounting principles for interim financial information and
the instructions to Form 10-QSB and item 310 under subpart A of Regulation S-B.
Accordingly, they do not include all of the information and footnotes required
by generally accepted accounting principles for complete financial statements.
In the opinion of management, all adjustments (consisting only of normal
occurring accruals) considered necessary in order to make the financial
statements not misleading, have been included. Operating results for the nine
months ended February 28, 2005 are not necessarily indicative of results that
may be expected for the year ending May 31, 2005. The financial statements are
presented on the accrual basis.

<PAGE>

                       THE MONEY TREE LENDING GROUP, INC.


                              FINANCIAL STATEMENTS







                             AS OF FEBRUARY 28, 2005



THE MONEY TREE LENDING GROUP, INC.
Financial Statements Table of Contents




FINANCIAL STATEMENTS                                                     Page #


         Balance Sheet                                                        1


         Statement of Operations and Retained Deficit                         2


         Statement of Stockholders Equity                                     3


         Cash Flow Statement                                                  4


         Notes to the Financial Statements                                  5-7





<PAGE>


<TABLE>

                       THE MONEY TREE LENDING GROUP, INC.
                                  BALANCE SHEET
                             As of February 28, 2005


                                     ASSETS

<CAPTION>

     CURRENT ASSETS                                                 February 28, 2005
<S>                                                                     <C>
             Cash                                                       $     0

     OTHER ASSETS

             Investment in subsidiary                                    54,250
                                                                        --------

                           TOTAL ASSETS                                 $54,250
                                                                        ========

                      LIABILITIES AND STOCKHOLDER'S EQUITY

     CURRENT LIABILITIES

         Accrued expenses                                               $ 1,500
                                                                        --------

                           TOTAL LIABILITIES                              1,500

     STOCKHOLDER'S EQUITY

       Preferred Stock - par value $0.001
         10,000,000 shares authorized;
         None issued and outstanding                                      5,000

       Additional paid in capital - preferred                             5,850

       Common Stock - par value $0.001;
         100,000,000 shares authorized;
         25,200,000 issued and outstanding                               25,200

       Additional paid in capital - common                               18,300

       Accumulated Deficit                                               (1,600)
                                                                        --------

       Total stockholder's equity                                        52,750
                                                                        --------


           TOTAL LIABILITIES AND EQUITY                                 $54,250
                                                                        ========

</TABLE>



   The accompanying notes are an integral part of these financial statements.


                                       F-1


<PAGE>
<TABLE>

                       THE MONEY TREE LENDING GROUP, INC.
                             STATEMENT OF OPERATIONS
                  For the Quarter ended February 28, 2005, and
             from inception (June 7, 2004) through February 28, 2005


<CAPTION>

                                                       Quarter          From Inception to
                                                  February 28, 2005     February 28, 2005

<S>                                                  <C>                   <C>
REVENUE                    Sales                     $        0            $        0
                           Cost of sales                      0                     0
                                                     -----------           -----------

     GROSS PROFIT                                             0                     0

     GENERAL AND ADMINISTRATIVE EXPENSES                    500                 1,600
                                                     -----------           -----------

     NET LOSS                                              (500)               (1,600)

     ACCUMULATED DEFICIT, BEGINNING BALANCE                   0                     0
                                                     -----------           -----------

     ACCUMULATED DEFICIT, ENDING BALANCE             $     (500)           $   (1,600)
                                                     ===========           ===========


NET EARNINGS PER SHARE


    Net loss per share                           (Less than .01)

    Basic Weighted Average
    Number of Common Shares Outstanding              12,650,000


</TABLE>




   The accompanying notes are an integral part of these financial statements.


                                       F-2


<PAGE>

<TABLE>

                       THE MONEY TREE LENDING GROUP, INC.
                STATEMENT OF STOCKHOLDER'S EQUITY From inception
                    (June 7, 2004) through February 28, 2005
<CAPTION>

                                                        ADD'L                                ADD'L
                            COMMON        COMMON       PAID IN       PREF.       PREF.       PAID IN
                            SHARES        STOCK        CAPITAL      SHARES       STOCK       CAPITAL       DEFICIT        TOTAL
                         -----------   -----------   -----------  -----------  -----------  -----------  -----------   -----------
<S>                       <C>          <C>            <C>           <C>        <C>          <C>          <C>           <C>
Stock issued on acceptance
of incorporation expenses
June 7, 2004 at $.001
per share                    100,000   $       100    $        0            0  $         0  $         0  $         0   $       100

Stock issued in share
Exchange agreement
on November 15, 2004 at
$.002 per share           25,100,000        25,100        18,300                                                            43,400

Stock issued in share
Exchange agreement
On November 15, 2004 at
$.002                                                               5,000,000        5,000        5,850                     10,850

Net loss                                                                                                      (1,600)       (1,600)
                         -----------   -----------   -----------  -----------  -----------  -----------  -----------   -----------
Total at Feb. 28, 2005    25,200,000   $   (52,750)   $   18,300    5,000,000  $     5,000  $     5,850  $    (1,600)  $   (52,750)
                         ===========   ===========   ===========  ===========  ===========  ===========  ===========   ===========

</TABLE>





   The accompanying notes are an integral part of these financial statements.

                                       F-3

<PAGE>

<TABLE>

                       THE MONEY TREE LENDING GROUP, INC.
                             STATEMENT OF CASH FLOWS
                  For the Quarter ended February 28, 2005, and
            from inception (June 7, 2004) through February 28, 2005

<CAPTION>

                                                                                  From
CASH FLOWS FROM OPERATING ACTIVITIES                      February 28, 2005     Inception
<S>                                                          <C>                 <C>
             Net income (loss)                               $    (500)          $(1,600)
             Compensation in the form of stock                       0               100
             Increases (Decrease) in accrued expenses              500             1,500
                                                             ---------           -------

NET CASH PROVIDED OR (USED) IN OPERATIONS                            0                 0

CASH FLOWS FROM INVESTING ACTIVITIES

        None                                                         0                 0

CASH FLOWS FROM FINANCING ACTIVITIES

        None                                                         0                 0

CASH RECONCILIATION

        Net increase (decrease) in cash                              0                 0
        Beginning cash balance                                       0                 0
                                                             ---------           -------

CASH BALANCE AT END OF PERIOD                                $       0           $     0
                                                             =========           =======
</TABLE>


   The accompanying notes are an integral part of these financial statements.


                                       F-4


<PAGE>


                       THE MONEY TREE LENDING GROUP, INC.
                          NOTES TO FINANCIAL STATEMENTS

1.   Summary of significant accounting policies:
     ------------------------------------------

Industry - The Money Tree Lending Group, Inc. (the Company), formerly known as
--------
Artcraft II, Inc., was incorporated in the state of Delaware as of June 7, 2004.
The Company has been formed to provide a method for a foreign or domestic
private company to become a reporting ("public") company whose securities are
qualified for trading in the United States secondary market.

The Company has located a merger candidate and on November 15, 2004 entered into
a stock purchase and share exchange agreement as noted in footnote #8 for a 100%
interest in The Money Tree Lending Group, Inc. (the Subsidiary), a Florida
corporation.

The Company has adopted its fiscal year end to be May 31.

Results of Operations and Ongoing Entity - The Company is considered to be an
----------------------------------------
ongoing entity. The Company's shareholders fund any shortfalls in The Company's
cash flow on a day to day basis during the time period that The Company is in
the development stage.

Liquidity and Capital Resources - In addition to the stockholder funding capital
-------------------------------
shortfalls; The Company anticipates interested investors that intend to fund the
Company's growth once a business is located.

Cash and Cash Equivalents - The Company considers cash on hand and amounts on
-------------------------
deposit with financial institutions which have original maturities of three
months or less to be cash and cash equivalents.

Basis of Accounting - The Company's financial statements are prepared in
-------------------
accordance with generally accepted accounting principles.

Income Taxes - The Company utilizes the asset and liability method to measure
------------
and record deferred income tax assets and liabilities. Deferred tax assets and
liabilities reflect the future income tax effects of temporary differences
between the financial statement carrying amounts of existing assets and
liabilities and their respective tax bases and are measured using enacted tax
rates that apply to taxable income in the years in which those temporary
differences are expected to be recovered or settled. Deferred tax assets are
reduced by a valuation allowance when in the opinion of management, it is more
likely than not that some portion or all of the deferred tax assets will not be
realized. At this time, The Company has set up an allowance for deferred taxes
as there is no company history to indicate the usage of deferred tax assets and
liabilities.
                                       F-5

<PAGE>

Fair Value of Financial Instruments - The Company's financial instruments may
-----------------------------------
include cash and cash equivalents, short-term investments, accounts receivable,
accounts payable and liabilities to banks and shareholders. The carrying amount
of long-term debt to banks approximates fair value based on interest rates that
are currently available to The Company for issuance of debt with similar terms
and remaining maturities. The carrying amounts of other financial instruments
approximate their fair value because of short-term maturities.

Concentrations of Credit Risk - Financial instruments which potentially expose
-----------------------------
The Company to concentrations of credit risk consist principally of operating
demand deposit accounts. The Company's policy is to place its operating demand
deposit accounts with high credit quality financial institutions. At this time
The Company has no deposits that are at risk.

2.   Related Party Transactions and Going Concern:
     --------------------------------------------

The Company's financial statements have been presented on the basis that it is a
going concern in the development stage, which contemplates the realization of
assets and the satisfaction of liabilities in the normal course of business. At
this time The Company has not identified the business that it wishes to engage
in.

The Company's President is also the President of the subsidiary and represent
common ownership.

3.   Accounts Receivable and Customer Deposits:
     -----------------------------------------

Accounts receivable and Customer deposits do not exist at this time and
therefore have no allowances accounted for or disclosures made.

4.   Use of Estimates:
     ----------------

Management uses estimates and assumptions in preparing these financial
statements in accordance with generally accepted accounting principles. Those
estimates and assumptions affect the reported amounts of assets and liabilities,
the disclosure of contingent assets and liabilities, and the reported revenue
and expenses. Management has no reason to make estimates at this time.

5.   Revenue and Cost Recognition:
     ----------------------------

The Company uses the accrual basis of accounting in accordance with generally
accepted accounting principles for financial statement reporting.

6.   Accrued Expenses:
     ----------------

Accrued expenses consist of accrued legal, accounting and office costs during
this stage of the business.

                                       F-6
<PAGE>

7.   Operating Lease Agreements:
     --------------------------

The Company has no agreements at this time.

8.   Stockholder's Equity:
     --------------------

PREFERRED STOCK includes 10,000,000 shares authorized at a par value of $0.001,
of which 5,000,000 shares have been issued.

On November 15, 2004 the Company issued 5,000,000 preferred shares in a stock
purchase and share exchange agreement for a 100% interest in The Money Tree
Lending Group, Inc., a Florida corporation, along with the issuance of
25,100,000 common shares. The equity value of the subsidiary was $54,200 at the
time of purchase.

COMMON STOCK includes 100,000,000 shares authorized at a par value of $0.001, of
which 25,200,000 have been issued.

On November 15, 2004 the Company issued 25,100,000 common shares in a stock
purchase and share exchange agreement for a 100% interest in The Money Tree
Lending Group, Inc., a Florida corporation, Along with 5,000,000 preferred
shares. The equity value of the subsidiary was $54,000 at the time of purchase.

Upon incorporation 100,000 common shares of stock have been issued for the
amount of $100 on June 7, 2004 in acceptance of the incorporation expenses for
the Company.

9.   Required Cash Flow Disclosure for Interest and Taxes Paid:
     ---------------------------------------------------------

The company has paid no amounts for federal income taxes and interest. The
Company issued 100,000 common shares of stock to its former sole shareholder in
acceptance of the incorporation expenses for the Company. The Company issued
25,100,000 common shares as compensation for services.

10.  Earnings Per Share:
     ------------------

Basic earnings per share ("EPS") is computed by dividing earnings available to
common shareholders by the weighted-average number of common shares outstanding
for the period as required by the Financial Accounting Standards Board (FASB)
under Statement of Financial Accounting Standards (SFAS) No. 128, "Earnings per
Shares". Diluted EPS reflects the potential dilution of securities that could
share in the earnings.

11.  Change In Control:
     -----------------

On November 8, 2004, the Company's sole shareholder entered into a Stock
Purchase Agreement whereby 100% of the Company's stock was acquired by a new
shareholder. The former shareholder resigned as Director, President, Chief
Executive Officer, Chief Financial Officer and Secretary. The resignation was
not a result of any disagreement with the Company. The purchasing shareholder
was appointed with these duties.


                                       F-7


<PAGE>

Item 2. Management's Discussion and Analysis of Financial Conditions and
        Results of Operations
------------------------------------------------------------------------

Plan of Operation
-----------------

On November 15, 2004, pursuant to a Stock Purchase Agreement and Share Exchange
with The Money Tree Lending Group, Inc. (MONEY TREE), a Florida Corporation, and
all of the shareholders of MONEY TREE, we acquired one hundred percent (100%) of
the issued and outstanding shares of common stock of MONEY TREE in exchange for
a total of 25,100,000 shares of our common stock and 5,000,000 shares of our
preferred stock which are restricted in accordance with Rule 144 of the 1933
Securities Act. Pursuant to the Agreement, MONEY TREE became our wholly owned
subsidiary.

Our primary products are mortgage loans secured by real estate and annuities.
The products can be offered across the United States, but at this time, our main
focus is on the Florida market. Demand for home loan financing has grown
substantially in recent years. We believe that the total United States market
for our industry exceeds $560 billion annually in alternative mortgage lending.
Of this market, we believe that our target market, consumers who obtain home
loan financing from the Internet, comprises more than $240 billion. We believe
that the principal factor driving growth in our industry is the dream of home
ownership.

We acquire mortgage loans and other financial products from third-party sources
on a project-by-project basis. This approach gives us substantial flexibility in
terms of production volume and delivery time, significantly reduces our fixed
production overhead, and largely eliminates the risk to us of cost overruns in
production.

Similarly, we reduce our fixed processing costs by duplicating the functions for
our products. Our management team has extensive experience in the origination,
processing, closing, funding and delivery of mortgage loans in the secondary
market and other financial service products. Philip Sampiere, our President and
Chief Executive Officer, has extensive knowledge of our industry and has
successfully founded and developed other profitable businesses. Other members of
our management team have broad expertise in software and technology, sales and
marketing, finance, real estate and mortgage law. They have all contributed to
our record of aggressive growth in our core business and of acquiring and
integrating companies in related businesses.

We plan to develop strategic alliances and joint ventures with businesses
outside of the financial industry to broaden our distribution channels, such as
leading media companies that can distribute our products for use on popular and
newly developing media formats, including revenue sharing with cable and
satellite television operators and Internet service providers. We expect these
initiatives to widen the scope of our distribution network, enabling us to reach
new customers while supplying our partners and licensees with content.

Results of Operation
--------------------

The Company did not have any operating income from inception (June 7, 2004)
through February 28, 2005. For the quarter ended February 28, 2005, the
registrant recognized a net loss of $1,600. Some general and administrative
expenses during the year were accrued. Expenses for the quarter were comprised
of costs mainly associated with legal and accounting fees.

Liquidity and Capital Resources
-------------------------------

At February 25, 2005 the Company had no capital resources and will rely upon the
issuance of common stock and additional capital contributions from shareholders
to fund administrative expenses pending.

<PAGE>

Item 3. Controls and Procedures
-------------------------------

(a) Evaluation of disclosure controls and procedures.

Our Chief Executive Officer and Chief Financial Officer (collectively the
"Certifying Officers") maintain a system of disclosure controls and procedures
that is designed to provide reasonable assurance that information, which is
required to be disclosed, is accumulated and communicated to management timely.
Under the supervision and with the participation of management, the Certifying
Officers evaluated the effectiveness of the design and operation of our
disclosure controls and procedures (as defined in Rule [13a-14(c)/15d-14(c)]
under the Exchange Act) within 90 days prior to the filing date of this report.
Based upon that evaluation, the Certifying Officers concluded that our
disclosure controls and procedures are effective in timely alerting them to
material information relative to our company required to be disclosed in our
periodic filings with the SEC.

(b) Changes in internal controls.

Our Certifying Officer has indicated that there were no significant changes in
our internal controls or other factors that could significantly affect such
controls subsequent to the date of his evaluation, and there were no such
control actions with regard to significant deficiencies and material weaknesses.


<PAGE>

                           PART II - OTHER INFORMATION



Item 1.   Legal Proceedings.

          The Company is currently not a party to any pending legal proceedings
          and no such action by, or to the best of its knowledge, against the
          Company has been threatened.

Item 2.   Changes in Securities.

          None

Item 3.   Defaults Upon Senior Securities.

          None

Item 4.   Submission of Matters to a Vote of Security
          Holders.

          No matter was submitted during the quarter ending February 28, 2005,
          covered by this report to a vote of the Company's shareholders,
          through the solicitation of proxies or otherwise.

Item 5.   Other Information.

          None

Item 6.   Exhibits and Reports of Form 8-K.

          (a)  Exhibits

          31.1 Certification pursuant to Section 302 of Sarbanes Oxley Act
               of 2002

          32.1 Certification pursuant to Section 906 of Sarbanes Oxley Act
               of 2002

          (b)  Reports of Form 8-K

               None


                                   SIGNATURES

In accordance with Section 13 or 15(d) of the Exchange Act, the registrant
caused this report to be signed on its behalf by the undersigned, there unto
duly authorized.

                                           The Money Tree Lending Group, Inc.

                                           Registrant


Date: April 19, 2005                       By: /s/ Philip A. Sampiere, Jr.
                                           -----------------------------------
                                           PHILIP A. SAMPIERE, JR.
                                           CEO