<PAGE>
------------------------------------------------------------------------------
                                                                 EXHIBIT 10.41

SILICON VALLEY BANK

                           AMENDMENT TO LOAN AGREEMENT

BORROWER:     VISTA INFORMATION SOLUTIONS, INC.

DATED:        JULY 23, 1998

    THIS AMENDMENT TO LOAN AGREEMENT is entered into between SILICON VALLEY 
BANK ("Silicon") and the borrower named above (the "Borrower").

    The Parties agree to amend, effective as of the date hereof, the Loan and 
Security Agreement between them dated April 7, 1998, as amended from time to 
time (the "Loan Agreement": terms defined in the Loan Agreement are used 
herein as therein defined).

    1.   NEW DEFINITION. Section 1.1 of the Loan Agreement is hereby amended 
to add the following new definition of "Overadvance Amount" that is to be 
inserted immediately after the definition of "Obligations".

    "Overadvance Amount" means the amount of $250,000 through and including 
    August 14, 1998, and shall mean S-0- on and after such date.

    2.   AMENDED SECTION 2.1.1(a). Section 2.1.1(a) of the Loan Agreement is 
hereby amended to read as follows:

    "(a) Subject to and upon the terms and conditions of this Agreement, Bank 
    agrees to make Advances to Borrower in an aggregate outstanding amount 
    not to exceed: (i) the lesser of (x) the Committed Revolving Line or (y) 
    the Borrowing Base plus the applicable Overadvance Amount, if any, MINUS 
    (ii) the face amount of all outstanding Letters of Credit (including 
    drawn but unreimbursed Letters of Credit), MINUS (iii) the Credit Card 
    Sublimit. Subject to the terms and conditions of this Agreement, amounts 
    borrowed pursuant to this Section 2.1 may be repaid and reborrowed at any 
    time during the term of this Agreement."

    3.   REVISED PERMITTED INDEBTEDNESS. Permitted Indebtedness under the 
Loan Agreement shall include an unsecured loan by the president of the 
Borrower, Tom Gay, to the Borrower in an amount not to exceed $250,000.

    4.   ADDITIONAL REPRESENTATION. Borrower hereby represents and warrants 
to the Bank that all Advances arising from the Overadvance Amount shall be 
used exclusively in connection with its acquisition of E/Risk Information 
Services.

    5.   GENERAL PROVISIONS. This Amendment, the Loan Agreement, any prior 
written amendments to the Loan Agreement signed by Silicon and the Borrower, 
and the other written documents and agreements between Silicon and the 
Borrower set forth in full all of the representations and agreements of the 
parties with respect to the subject matter hereof and supersede all prior 
discussions, representations, agreements and understandings between the 
parties with respect to the subject hereof. Except as herein expressly 
amended, all of the terms 

                                       1
<PAGE>

and provisions of the Loan Agreement, and all other documents and agreements 
between Silicon and the Borrower shall continue in full force and effect and 
the same are hereby ratified and confirmed. This Amendment shall be 
controlling in the event of any conflicts between any prior written 
agreements and amendments between Silicon and the Borrower, on the one hand, 
and this Amendment.

         SILICON VALLEY BANK                  AMENDMENT TO LOAN AGREEMENT
------------------------------------------------------------------------------

      Borrower:                            Silicon:

      VISTA INFORMATION SOLUTIONS,         SILICON VALLEY BANK
      INC.


      By  /s/ [ILLEGIBLE]                  By   /s/ [ILLEGIBLE]
         ------------------------------        ------------------------------
          President or Vice President      Title      Vice President
                                                 ----------------------------

      By ------------------------------
          Secretary or Ass't Secretary

                                       2
<PAGE>

------------------------------------------------------------------------------

                             LEVY, SMALL & LALLAS
                              815 Moraga Drive
                         Los Angeles, California 90049
                           Telephone (310) 471-3000

                             TELECOPY COVER LETTER
------------------------------------------------------------------------------

                                  July 31, 1998
                                                               0052-1641


TO:  MR. STEVE HAMILTON            (23 PAGES)             FAX # (619) 450-6185

cc:  MR. JOHN OTTERSON              (3 PAGES)             FAX # (619) 535-1611

FROM:  Angel F. Castillo

RE:    Silicon Valley Bank/Vista Information Solutions, Inc.
------------------------------------------------------------------------------



PLEASE NOTIFY WENDY HUEY AT (310) 471-3000 IF YOU DO NOT RECEIVE ALL PAGES OF 
THIS TRANSMISSION. OUR TELECOPY NUMBER IS (310) 471-7990.



NOTES/COMMENTS:








   The information contained in this facsimile message is privileged and 
   confidential and is intended only for the use of the addressee. If the 
   reader of this message is not the addressee, or the person responsible 
   for delivery to the addressee, you are hereby notified that any 
   dissemination, distribution or copying of the message is strictly 
   prohibited. If you have received this message in error, please immediately 
   notify us by telephone and return the original message to us at the above 
   address via the U.S. Postal Service.

                                       3
<PAGE>

                                  [LETTERHEAD]



                                 July 31, 1998



VIA TELECOPIER (619) 450-6185

Mr. Steve Hamilton
Vista Information Solutions, Inc.
5060 Shoreham Place, Suite 300
San Diego, CA 92122

    Re:  Silicon Valley Bank/Vista Information Solutions Inc.
         and E/Risk Information Services

Dear Mr. Hamilton:

    At the request of Mr. John Otterson, enclosed for execution please find 
the following documents with respect to the above-referenced transaction.

         1.   Assumption Agreement.

         2.   Amendment to Loan Agreement.

         3.   Amendment to Security Agreement.

         4.   Corporate Borrowing Resolution (E/Risk)

         5.   Cross-Corporate Continuing Guaranty.

         6.   Certified Resolution-Guarantee (Vista information).

         7.   Certified Resolution-Guarantee (E/Risk Information).

    Please make two (2) copies of each of the enclosed and execute where 
indicated. please forward both sets of executed documents to Mr. John 
Otterson at Silicon Valley Bank, 5414 Oberlin Drive, Suite 230, San Diego, CA 
92121 via messenger/hand delivery as soon as possible. I understand from Mr. 
Otterson that the signatures of E/Risk will need to be provided to a Silicon 
office in Northern California. Please contact Mr. Otterson regarding the 
details of E/Risk's signature.

                                       4
<PAGE>

Mr. Steve Hamilton
July 31, 1997
Page 2


    If you have any other questions regarding any of the enclosed, please 
contact Mr. Otterson.

                                                  Sincerely,


                                                  /s/ Angel F. Castillo

                                                  Angel F. Castillo

AFC:wbh
Enclosures

cc: Mr. John Otterson (w/o encls. via telecopier (619)535-1611)
                      (w/encls. via UPS Air)

                                       5
<PAGE>
                               ------------------------------------------------
SILICON VALLEY BANK


                              ASSUMPTION AGREEMENT


     THIS ASSUMPTION AGREEMENT dated as of July 31, 1998 is entered into 
between SILICON VALLEY BANK ("Silicon"), on the one side, VISTA INFORMATION 
SOLUTIONS, INC. and E/RISK INFORMATION SERVICES ("New Borrower"), on the 
other side. Capitalized terms used but not defined in this Agreement, shall 
have the meanings set forth in the Loan and Security Agreement between 
Silicon, on the one side, and Vista Information Solutions, Inc. (referred to 
as the "Existing Borrower"), on the other side, dated April 7, 1998 (as 
amended from time to time, the "Loan Agreement").

     The parties agree as follows:

     1.  ASSUMPTION. New Borrower hereby assumes and agrees to pay and 
perform when due all present and future indebtedness, liabilities and 
obligations of Existing Borrower under, based upon, or arising out of the 
Loan Agreement (as amended by that certain Amendment to Loan Agreement being 
entered into concurrently herewith between New Borrower, Existing Borrower and 
Silicon) and any and all documents, instruments and agreements relating 
thereto, including without limitation all of the "Obligations" as defined in 
the Loan Agreement. Existing Borrower shall remain as an obligor with respect 
to all of the Obligations, and Existing Borrower and New Borrower shall be 
jointly and severally liable for all of the Obligations. All references in 
the Loan Agreement to "Borrower" shall be deemed to refer, jointly and 
severally, to Existing Borrower and New Borrower.

     2.  GRANT OF SECURITY INTEREST. Without limiting the generality of the 
provisions of Section 1 above, as security for all Obligations, New Borrower 
hereby grants Silicon a continuing security interest in all of New Borrower's 
interest in the types of property described below, whether now owned or 
hereafter acquired and wherever located: (a) All accounts, contract rights, 
chattel paper, letters of credit, documents, securities, money, and 
instruments, and all other obligations now or in the future owing to New 
Borrower; (b) All inventory, goods, merchandise, materials, raw materials, 
work in process, finished goods, farm products, advertising, packaging and 
shipping materials, supplies, and all other tangible personal property which 
is held for sale or lease or furnished under contracts of service or consumed 
in the New Borrower's business, and all warehouse receipts and other 
documents; and (c) All equipment, including without limitation all machinery, 
fixtures, trade fixtures, vehicles, furnishings, furniture, materials, tools, 
machine tools, office equipment, computers and peripheral devices, appliances, 
apparatus, parts, dies, and jigs; (d) All general intangibles including, but 
not limited to, deposit accounts, goodwill, names, trade names, trademarks 
and the goodwill of the business symbolized thereby, trade secrets, drawings, 
blueprints, customer lists, patents, patent applications, copyrights, security


                                       6
<PAGE>
                               SILICON VALLEY BANK         ASSUMPTION AGREEMENT
                               ------------------------------------------------

deposits, loan commitment fees, federal, state and local tax refunds and 
claims, all rights in all litigation presently or hereafter pending for any 
cause or claim (whether in contract, tort or otherwise), and all judgments 
now or hereafter arising therefrom, all claims of New Borrower against 
Silicon, all rights to purchase or sell real or personal property, all rights 
as a licensor or licensee of any kind, all royalties, licenses, processes, 
telephone numbers, proprietary information, purchase orders, and all 
insurance policies and claims (including without limitation credit, 
liability, property and other insurance), and all other rights, privileges 
and franchises of every kind; (e) All books and records, whether stored on 
computers or otherwise maintained; and (f) All substitutions, additions and 
accessions to any of the foregoing, and all products, proceeds and insurance 
proceeds of the foregoing, and all guaranties of and security for the 
foregoing; and all books and records relating to any of the foregoing. New 
Borrower shall concurrently execute and deliver to Silicon UCC-1 Financing 
Statements in such form as Silicon shall specify.

     3. REPRESENTATIONS TRUE. Borrower represents and warrants to Silicon 
that all representations and warranties set forth in the Loan Agreement, as 
amended hereby, are true and correct.

     4. CHOICE OF LAW AND VENUE; JURY TRIAL WAIVER. This Agreement and the 
other Loan Documents shall be governed by, and construed in accordance with, 
the internal laws of the State of California, without regard to principles of 
conflicts of law. Each of Borrower and Silicon hereby submits to the 
exclusive jurisdiction of the state and Federal courts located in the County 
of San Diego, State of California. BORROWER AND SILICON EACH HEREBY WAIVE 
THEIR RESPECTIVE RIGHTS TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED 
UPON OR ARISING OUT OF ANY OF THE LOAN DOCUMENTS OR ANY OF THE TRANSACTIONS 
CONTEMPLATED THEREIN, INCLUDING CONTRACT CLAIMS, TORT CLAIMS, BREACH OF DUTY 
CLAIMS, AND ALL OTHER COMMON LAW OR STATUTORY CLAIMS. EACH PARTY RECOGNIZES 
AND AGREES THAT THE FOREGOING WAIVER CONSTITUTES A MATERIAL INDUCEMENT FOR IT 
TO ENTER INTO THIS AGREEMENT. EACH PARTY REPRESENTS AND WARRANTS THAT IT HAS 
REVIEWED THIS WAIVER WITH ITS LEGAL COUNSEL AND THAT IT KNOWINGLY AND 
VOLUNTARILY WAIVES ITS JURY TRIAL RIGHTS FOLLOWING CONSULTATION WITH LEGAL 
COUNSEL.

     5. GENERAL PROVISIONS. This Agreement, the Loan Agreement, any prior 
written amendments to the Loan Agreement signed by Silicon and the Borrower, 
and the other written documents and agreements between Silicon and the 
Borrower set forth in full all of the representations and agreements of the 
parties with respect to the subject matter hereof and supersede all prior 
discussions, representations, agreements and understandings between the 
parties with respect to the subject hereof. Except as herein expressly 
amended, all of the terms and provisions of the Loan Agreement, and


                                       7
<PAGE>

                               SILICON VALLEY BANK         ASSUMPTION AGREEMENT
                               ------------------------------------------------


all other documents and agreements between Silicon and the Borrower shall 
continue in full force and effect and the same are hereby ratified and 
confirmed.


  BORROWER:                                  SILICON:

  VISTA INFORMATION SOLUTIONS, INC.          SILICON VALLEY BANK



  By    [SIGNATURE ILLEGIBLE]                By     [SIGNATURE ILLEGIBLE]
    -------------------------------            -------------------------------
     President or Vice President             Title 
                                                  ----------------------------



  By    [SIGNATURE ILLEGIBLE]
    -------------------------------
     Secretary or Ass't Secretary


  NEW BORROWER:

  E/RISK INFORMATION SERVICES




  By    [SIGNATURE ILLEGIBLE]
    --------------------------------
       President or Vice President



  By    [SIGNATURE ILLEGIBLE]
    ---------------------------------
       Secretary or Ass't Secretary











                                       8
<PAGE>

SILICON VALLEY BANK

                         AMENDMENT TO LOAN AGREEMENT

BORROWER:          VISTA INFORMATION SOLUTIONS, INC.
                   E/RISK INFORMATION SERVICES

DATED:             JULY 31, 1998

    THIS AMENDMENT TO LOAN AGREEMENT is entered into between SILICON VALLEY 
BANK ("Silicon") and the borrower named above (the "Borrower").

    The Parties agree to amend, effective as of the date hereof, the Loan and 
Security Agreement between them dated April 7, 1998, as amended from time to 
time (the "Loan Agreement", terms defined in the Loan Agreement are used 
herein as therein defined).

    1.   ASSUMPTION AGREEMENT.  Borrower is concurrently executing that 
certain Assumption Agreement between Borrower and  Silicon, pursuant to 
which E/Risk Information Services is added as a "New Borrower" (as defined in 
the Assumption Agreement).

    2.   NEW DEFINITIONS. Section 1.1 of the Loan Agreement is hereby amended 
to add the following new definitions of "Debt Service Ratio". "Term Loan" and 
"Term Loan Payment":

         "Debt Service Ratio" means, on a consolidated basis, the ratio of 
         (a) net income of Borrower before interest, taxes, depreciation and 
         other non-cash amortization expenses and other non-cash expenses of 
         Borrower, relating to the immediately preceding four fiscal 
         quarters, determined in accordance with generally accepted 
         accounting principles, consistently applied, to (b) the amount of 
         Borrower's obligations relating to payment of interest on an 
         annualized basis and current maturities of principal on such  
         Borrowers' outstanding long term indebtedness, determined in 
         accordance with generally accepted accounting principles, 
         consistently applied.

         "Term Loan" means a credit extension of $1,500,000.

         "Term Loan Payment" has the meaning set forth in Section 2.1.5.

    3.   NEW SECTION 2.1.5.  A new Section 2.1.5 of the Loan Agreement is 
hereby added which reads as follows:

         2.1.5 TERM LOAN.

         (a)  Subject to and upon the terms and conditions of this Agreement
         (including, without limitation, Bank's review and approval of E/Risk
         Information Services' financial statements, for such period(s) as 
         requested by Bank, reviewed by an independent certified public 
         accounting firm reasonably acceptable to Bank), Bank shall make a 
         Term Loan available to Borrower.


                                       9

<PAGE>

         Silicon Valley Bank                         Amendment to Loan Agreement
         -----------------------------------------------------------------------


         (b) Borrower shall pay 60 equal installments of principal plus 
         Interest in the amount of $25,000 (the "Term Loan Payment").  Each 
         Term Loan Payment shall be due and payable on the first calendar day 
         of each month (commencing September 1, 1998) during the term hereof. 
         Borrower's final Term Loan Payment, due on AUGUST 1, 2003, shall 
         include all outstanding Term Loan principal plus all accrued 
         interest not yet paid.

         (c) The Term Loan shall bear interest at a rate equal to one-half of 
         one (0.50%) percentage points above the Prime Rate.

    4.   REVISED BORROWING BASE.  The definition of "Borrowing Base" as set 
forth in Section 1.1 of the Loan Agreement is hereby amended in its entirety 
to read as follows:

         "Borrowing Base" means an amount equal to 80% of Eligible Accounts 
         of Vista Information Solutions, Inc. and 50% of Eligible Accounts of 
         E/Risk Information Services, as determined by Bank with reference to 
         the most recent Borrowing Base Certificates delivered by each 
         Borrower; PROVIDED, HOWEVER, that the percentage with respect to 
         Eligible Accounts of E/Risk Information Services shall increase from 
         50% to 75% after an audit of E/Risk Information Services' Accounts 
         is completed with results satisfactory of Bank, in its sole 
         discretion, which audit shall be completed as provided in Section 
         6.3 hereof.  Advances will be made to each Borrower based on the 
         Eligible Accounts of each borrower, subject to the Committed 
         Revolving Line set forth herein for all Advances to all Borrowers 
         combined.

    5.   REVISED COMMITTED REVOLVING LINE.  The definition of "Borrowing 
Base" as set forth in Section 1.1 of the Loan Agreement is hereby amended in 
its entirety to read as follows:

         "Committed Revolving Line" means a credit extension of up to 
$2,500,000.

    6.   REVISED REPORTING REQUIREMENTS.  Section 6.3 of the Loan Agreement is 
hereby amended as follows:

The following new clause (g) shall be added at the end of the first paragraph 
of Section 6.3:

         and (g) as soon as available, but in any event within ninety (90) 
         days after the first Advance to E/Risk Information Services, audited 
         consolidated financial statements of Borrower prepared in accordance 
         with GAAP, consistently applied, together with an unqualified 
         opinion on such financial statements of an independent certified 
         public accounting firm reasonably acceptable to Bank.

The following sentence shall be added at the end of the last paragraph of 
Section 6.3:

         Bank shall have the right to audit the Accounts of E/Risk 
         Information Services, at Borrower's expense, within 90 days after 
         the execution of this Agreement by E/Risk Information Services.


                                      10

<PAGE>

         Silicon Valley Bank                         Amendment to Loan Agreement
         -----------------------------------------------------------------------


    7.   REVISED QUICK RATIO.  The Quick Ratio financial covenant set forth 
in Section 6.8 of the Loan Agreement is amended in its entirely to read as 
follows:

         6.8  QUICK RATIO  Borrower shall maintain, as of the last day of 
         each calendar month, a ratio of Quick Assets to Current Liabilities 
         of at least 1.50 to 1.0.  For purposes of the foregoing, however, 
         Current Liabilities shall not include deferred revenues.

    8.   REPLACEMENT OF DEBT-NET WORTH RATIO.  With Debt Service Ratio.  The 
Debt-Net Worth Ratio financial covenant set forth in Section 6.9 of the Loan 
Agreement which currently reads as follows:

         6.9  DEBT-NET WORTH RATIO.  Borrower shall maintain, as of the last 
         day of each calendar month, a ratio of Total Liabilities less 
         Subordinated Debt to Tangible Net Worth plus Subordinated Debt of 
         not more than 1.50 to 1.0.  For purposes of the foregoing, however, 
         deferred revenues shall not be taken into account in computing Total 
         Liabilities of Tangible Net Worth.

is hereby deleted and replaced with a Debt Service Ratio which shall read as 
follows:

         6.9  DEBT SERVICE RATIO.  Borrower, on a consolidated basis, shall 
         maintain, as of the last day each fiscal quarter, a Debt Service 
         Ratio of as least 2.0 to 1.0.

    9.   REPLACEMENT OF TANGIBLE NET WORTH WITH CASH FLOW RECAPTURE.  The 
Tangible Net Worth financial covenant set forth in Section 6.10 of the Loan 
Agreement which currently reads as follows:

         6.10  TANGIBLE NET WORTH.  Borrower shall maintain, as of the last 
         day of each calendar month, a Tangible Net Worth of not less than 
         $1,750.000.

is hereby deleted and replaced with a Cash Flow Recapture financial covenant 
which shall read as follows:

         6.10  CASH FLOW RECAPTURE.  Within 30 days after the end of each 
         fiscal quarter, Borrower shall pay to Bank 20% of Borrower's 
         earnings before interest, taxes, depreciation and amortization in 
         excess of $750,000 for such quarter ("Recapture Contribution"); 
         provided, however, in no event shall any Recapture Contribution 
         exceed 25% of Borrower's then outstanding Obligations.  The Recapture 
         Contributions shall be maintained in a separate account maintained 
         at Bank, shall bear interest at the Bank's then prevailing rates for 
         other such similar interest bearing accounts and shall constitute 
         part of Bank's Collateral.

    10.  Fee.  Borrower shall concurrently pay to Silicon a facility fee in 
the amount of $5,250, which shall be in addition to all interest and all 
other fees payable to Silicon and shall be non-refundable.


                                      11

<PAGE>

         Silicon Valley Bank                         Amendment to Loan Agreement
         -----------------------------------------------------------------------


    11.  REPRESENTATIONS TRUE.  Borrower represents and warrants to Silicon 
that all representations and warranties set forth in the Loan Agreement, as 
amended hereby, are true and correct.

    12.  GENERAL PROVISIONS.  This Amendment, the Loan Agreement, any prior 
written amendments to the Loan Agreement signed by Silicon and the Borrower, 
and other written documents and agreements between Silicon and the Borrower 
set forth in full all of the representations and agreements of the parties 
with respect to the subject matter hereof and supersede all prior discussions, 
representations, agreements and understandings between the parties with 
respect to the subject hereof.  Except as herein expressly amended all of the 
terms and provisions of the Loan Agreement, and all other documents and 
agreements between Silicon and the Borrower shall continue in full force and 
effect and the same are hereby ratified and confirmed.  This Amendment shall 
be controlling in the event of any conflicts between any prior written 
agreements and amendments between Silicon and the Borrower, on the one hand, 
and this Amendment.

Borrower:                              Silicon:

VISTA INFORMATION SOLUTIONS, INC.      SILICON VALLEY BANK


By  [ILLEGIBLE]                        By
  ---------------------------            ----------------------------
  President or Vice President          Title
                                            -------------------------
By  [ILLEGIBLE]
  ----------------------------
  Secretary or Ass't Secretary


Borrower:

E/RISK INFORMATION SERVICES


By  [ILLEGIBLE]                
  ---------------------------  
  President or Vice President  
                               
By  [ILLEGIBLE]                
  ---------------------------- 
  Secretary or Ass't Secretary 


                                      12
<PAGE>

         Silicon Valley Bank                         Amendment to Loan Agreement
         -----------------------------------------------------------------------


                                   CONSENT

    The undersigned acknowledge that their consent to the foregoing 
Agreement is not required, but the undersigned nevertheless do hereby consent 
to the foregoing Agreement and to the documents and agreements referred to 
therein and to all future modifications and amendments thereto, and any 
termination thereof, and to any and all other present and future documents 
and agreements between or among the foregoing parties. Nothing herein shall n 
any way limit any of the terms or provisions of the Continuing Guarantee of 
the undersigned, all of which are hereby ratified and affirmed.

Borrower:                              Silicon:

VISTA INFORMATION SOLUTIONS, INC.      E/RISK INFORMATION SERVICES


By  [ILLEGIBLE]                        By  [ILLEGIBLE]                
  ---------------------------            ---------------------------  
  President or Vice President            President or Vice President  
                                                                      
By  [ILLEGIBLE]                        By  [ILLEGIBLE]                
  ----------------------------           ---------------------------- 
  Secretary or Ass't Secretary           Secretary or Ass't Secretary 


                                      13