<PAGE>
 
                                                                   EXHIBIT 10.25

                      DEALER LOAN AND SECURITY AGREEMENT


FINOVA Capital Corporation                      Alphanet Solutions, Inc.
1060 First Avenue                               -------------------------------
Suite 100                                       Exact Legal Name
King of Prussia, PA 19406                       
                                                7 Ridgedale Avenue
                                                -------------------------------
                                                Street Address

                                                Cedar Knolls, NJ  07927
                                                -------------------------------
                                                City, State, Zip Code


Gentlemen:

        1.      We are an authorized dealer of goods manufactured and/or 
distributed by various manufacturers and distributed by various manufacturers 
and distributors (hereinafter called "Manufacturer").  As such, we from time to 
time buy goods from Manufacturer to be held by us as our inventory for sale by 
us in the normal course of our business.  We may, as more fully set forth 
herein, from time to time obtain loans from you in order to finance the purchase
of certain of such goods, including parts and accessories therefor, from 
Manufacturer, and desire by this Agreement to set forth in writing our 
understanding of our loan arrangements with you and secure repayment of such 
loans and other related debts and liabilities we may have to you, whether now 
existing or hereafter arising.

        2.      Upon our request from time to time, you may, at your sole 
discretion and without any obligation to do so, make loans to us, under such 
terms and with such conditions as you shall specify, to enable us to acquire 
rights in Inventory from Manufacturers pre-approved by you for financing 
programs.  We understand that each such loan will be solely at your discretion, 
and we expressly disclaim any right to expect otherwise, either from the course 
of our dealing, our need therefor, your dealings with others, your arrangements 
with Manufacturer, or otherwise.  Conversely, nothing herein will prevent us 
from obtaining financing from other sources.  Accordingly, we will obtain both 
your written permission prior to arranging such other financing and such 
acknowledgements and undertakings from our other lenders as you may require.

        We understand that certain terms and conditions applicable to loans
obtained by us from you will be set forth in materials to be made available from
time to time to us and other dealers, the terms of which, as revised from time
to time, being deemed incorporated herein by reference. We understand that these
materials are subject to change by you at any time and from time to time, and
expressly assume the responsibility of confirming directly with you, upon our
request for each loan, the exact terms and conditions then being stated by you,
including without limitation rate of interest and terms of repayment. In no
event will we view such materials as a commitment or other offer on your part to
lend, and we will have no right to any loan under any particular terms until
actually made and under the terms so made. We understand and agree that the full
amount of each loan will be paid to you on its due date without deduction for
any sums due from Manufacturer or any Credit Memo that may have been issued to
you, unless you have previously notified us that you have received and applied
the amount of the Credit Memo issued by the Manufacturer.

        We understand that you may, from time to time, issue advices to us. Such
advices may include, but need not be limited to, periodic or monthly statements
of our account, periodic letter advices in the nature of statements of account,
issued from time to time, and letter forms or other forms of notices of due
dates of finance plan payments and of the specific terms of loans which we have
with you. Unless we, within ten (10) days from the date of any such advice, give
you written and itemized objection to the contents of such advice, we shall be
fully bound thereby and acknowledge that the content of such advice is true,
correct, and complete, and accurately reflects our obligations to you as of the
date thereof.

        In connection with each loan requested, we will deliver to you such 
other writings as you shall require, which may include notes or other 
appropriate evidence of debt.  Such notes or other evidence of debt, 
Manufacturer invoices, and other like materials as may be revised from time to 
time ("Collateral Documents"), together with this Agreement, contain our entire 
understanding, and we acknowledge that we will not be relying upon any prior 
oral or written promises or undertakings or future oral promises between us.  No
modification hereof or of the Collateral Documents will be binding upon you 
unless in a writing duly executed on your behalf by an officer holding the rank 
of Vice President or higher.

        We hereby authorize you to disburse the proceeds of each loan directly 
to Manufacturer on our behalf.  Further, we shall and hereby authorize 
Manufacturer to deliver its invoice for Inventory, together with all 
Certificates of Origin, directly to you.  You may assume that all such invoices 
so submitted are authentic and accurate and that they have been submitted on our
behalf and with our permission.  Receipt by you from us or Manufacturer of an 
invoice for Inventory shall be your authority to make a loan to us under terms 
and conditions then being stated by you.  In addition we shall and hereby 
authorize the Manufacturer to issue all Credit Memos directly to you.

        We acknowledge that the term "Prime Rate", as used in the Collateral 
Documents in reference to the rate of interest applicable to loans to us, will 
mean the average of the Prime Rates (the base rate for corporate loans at large 
U.S. money center commercial banks) quoted in the Wall Street Journal under the 
caption "Money Rates", and agree that the interest rate appliable to our loans 
from you will automatically change from time to time effective upon each change 
in the published Prime Rate.  We further agree that interest on our loans from 
you will be calculated on the basis of a 360 day year but will be chargeable for
the actual days that principal is outstanding in the then current year.

        3. We acknowledge that our financial arrangements with you are
completely independent of our arrangements with Manufacturer, and that neither
you nor Manufacturer are an agent for or acting on behalf of the other. We are
not relying, in our understanding with you, on any statements, promises or
representations, oral or written, made by Manufacturer, whether or not
purportedly on your behalf, relating to the subject matter hereof and of our
loans with you. Although we may receive official literature, brochures and other
written materials disseminated by you through Manufacturer, we expressly assume
the risk that the materials so received are the most current, up to date
materials then authorized by you to be disseminated. None of our obligations to
you will be affected or impaired, or be subject to any defense, set-off,
counterclaim, crossclaim or recoupment, by reason of any claim which we now or
hereafter have against Manufacturer or its agents, including without limitation
any claim for breach of express or implied warranty of title, or otherwise
related to the condition of the Collateral or our dealings with Manufacurer.

        4.  As used herein, the following terms shall have the following
meaning:

            a) "Inventory" means all present and future Inventory, as that term
is defined in the Pennsylvania Uniform Commercial Code ("Code"), together will
all parts and accessories, and all replacements, substitutions and additions
thereof or thereto.
<PAGE>
 
          b)  "Accounts" means all present and future Accounts, as that item is
defined in the Code.

          c)  "General Intangibles" means all present and future General 
Intangibles, as that item is defined in the Code, and shall include, without 
limitation, all Credit Memos and other sums due from Manufacturer, all books, 
records, ledgers, journals, check books, computer tapes and disks, print outs 
and other information and sources of information, and all licenses, permits 
franchises, tradenames and other rights and privileges used or useful in the 
conduct of our business and the sale of Inventory.

          d)  "Proceeds" means present and future Proceeds, as that term is 
defined in the Code, and shall include, without limitation, insurance payable by
reason of loss or damage to any of the Collateral.

          e)  "Collateral" means, individually and collectively, Inventory, 
Accounts, General Intangibles and Proceeds.

     5.   a)  In order to secure repayment to you of each loan made by you to us
the proceeds of which enable us to acquire rights in or the use of Inventory, we
hereby grant to you a purchase money security interest in such Inventory, the 
Proceeds thereof and all General Intangibles related thereto, to secure 
repayment of such loan. It is intended by this subparagraph (a) that only the 
Inventory so acquired, with Proceeds and related General Intangibles, will 
secure the loan the proceeds of which enabled us to acquire rights in or the use
of such Inventory. By your acceptance hereof you agree that (i) your security 
interest in (a) all Proceeds (including without limitation accounts receivable 
arising from the sale or lease of inventory in which you have a security 
interest) other than insurance proceeds and cash proceeds received by us prior 
to delivery of the subject inventory to our customers, and (b) all of our other 
present and future accounts receivable, is (1) subject and subordinate in all 
respects to a security interest in favor of First Union National Bank, 550 Broad
Street, Newark, New Jersey 07102 and any other lending institution which may 
replace First Union National Bank as a working capital lender to us and which 
notifies you that it has established a working capital loan facility for us 
(First Union National Bank and any such other lending institution and their 
successors and assigns the "Working Capital Lender") and (2) with respect to all
of our present and future accounts receivable and/or other assets may be subject
to security interests we may from time to time grant to third parties (the 
"Third Party Inventory Lenders") with respect to our financing of inventory (ii)
you waive in favor of the Working Capital Lender any right you may have to 
require a marshaling of assets (iii) you will not interfere with the Working 
Capital Lender's exercise of it's security interest in our accounts receivable 
or other collateral, (iv) you will not acquire a lien in any of our other assets
without obtaining the prior written consent of the Working Capital Lender and 
(v) you shall enter into an intercreditor agreement with the Working Capital 
Lender to confirm the foregoing, in form and substance reasonable satisfactory 
to such Working Capital Lender.

          b)  In order to secure repayment to you of all debts and liabilities
we may now or hereafter have to you under this Agreement or any other agreement,
whether such debt or liability be obtained by you by assignment, negotiation or 
otherwise, and whether direct or indirect, primary or secondary, absolute or 
contingent, or otherwise, including but not limited to all loans made by you to
us to finance the purchase of Inventory, we hereby grant to you a security
interest in all of our Inventory and in all Accounts and General Intangibles no
matter how obtained by us, whither now existing or hereafter acquired, and the
Proceeds of all of the foregoing.

          c)  All Payments made by us will be deemed to be applied by you first 
to the loan (i) the proceeds of which enabled us to acquire rights in or the use
of Inventory which we have previously sold and (ii) with the earliest due date.

     6.   We hereby represent to you that all information provided by us to you 
in connection with our application for each loan from you is and will be 
complete and accurate in every respect.  WE WILL IMMEDIATELY NOTIFY YOU IN 
WRITING OF ANY CHANGE IN ANY OF THIS INFORMATION.

     7.   We will from time to time execute and/or deliver or cause to be
executed and/or delivered to you such financing statements, amendments to
financing statements, continuation statements, documents of title,
manufacturers' certificates of origin, warehouse receipts, bills of lading,
vehicle titles, waivers, consents and such other manner of things, and take all
manner of actions, as you may from time to time request which are in your sole
opinion necessary or desirable in order to perfect, protect, maintain, continue,
realize and/or enforce your rights and security interests granted herein.
This shall include, without limitation, the written waiver by the landlord of
each location at which any Collateral is located. A carbon, photographic or
other reproduction of this Agreement shall be sufficient as a financing
statement and may be filed in any public office as a financing statement.

     8.   We will maintain the Inventory in excellent, salable condition,
consistent with the highest standards in the industry, and will comply with all
applicable laws relating to our use thereof. We will provide you or your
designated representatives with access, at any time, during normal business
hours, whether announced or unannounced, to each location at which any
Collateral is located, to inspect and examine the Inventory and other Collateral
and business records, including without limitation all financial records. We
agree, at our sole cost, to keep all Inventory insured against risks covered by
standard forms of fire, theft and extended coverage and such other risks as may
be reasonably required by you and under policies issued by an insurance company
or companies and in amounts satisfactory to you. You shall be named to the
extent your interest may appear under a Lender's Loss Payable Clause in such
policy, which shall provide that the insurance cannot be canceled without at
least thirty (30) days prior written notice to you and shall insure you
notwithstanding any act or neglect on our part. At our expense, we shall furnish
you with evidence of the same in form satisfactory to you, and shall provide you
with a Certificate thereof naming you as certificate holder. We will promptly
remit to you in the form received, with all necessary endorsements, any Proceeds
of such insurance. You may make and settle claims and endorse our name on any
checks or drafts. You may apply any Proceeds of insurance which may be received
by you toward payment of any obligations or liabilities owed to you by us,
whether or not then due, in such order of application as you may determine.

          Loss, damage or destruction of all or any of the Collateral shall not 
affect or diminish our liabilities to you and we assume all responsibility and 
risk for the existence, character, quality, condition, value, and delivery of 
Inventory.

     9.   We will pay and/or cause to be paid all taxes, levies and other 
governmental charges and assessments payable on or with respect to the 
Collateral and any premises at which the Collateral is located, which if unpaid 
may result in a lien or imposition thereon.  Such taxes, levies, charges and 
assessments will be paid prior to the date that any penalty for late payment may
be assessed with respect thereto, and if requested by you we will, at our 
expense, provide you with receipts or other evidence of payment in form 
satisfactory to you.

     10.  We will not suffer or permit any lien, security interest, charge, 
claim or encumbrance to be placed on any of the Collateral, other than in your
favor, or in favor of the working capital lender or third party inventory lender
or suffer or permit any interest to exist herein which is adverse to your own.
We represent that we are, and agree to remain, the sole and absolute owner of
the Collateral, until sold in the ordinary course of our business, and are and
will remain qualified under the terms of all applicable laws and under our
dealership arrangements with Manufacturer to conduct our business as presently
conducted, with all necessary governmental and other licenses, consents and
authorizations having been obtained.

     11.  At your option, without any obligation to do so, you may pay and
discharge taxes, liens, levies, security interests or other encumbrances against
the Collateral, may pay for insurance on and for the maintenance and
preservation of the Collateral and perform on our behalf any other obligation
required to be performed by us hereunder but which we have failed to do so. We
shall reimburse you on demand for any payment made or any expense incurred by
you pursuant to the authority hereof, with interest at the highest rate
chargeable on any of our loans with you, and will pay you a late charge of 1.5%
per month of the amount due to you, or the highest legally permissible rate if
lower.

     12.  We will furnish you such information regarding our business and 
financial condition as you may request from time to time, including without 
limitation such financial statements, in such form and bearing such 
certifications, as you shall require.  We agree that you may audit or cause to 
be audited our books and records at any and all times, during normal business 
hours, whether announced or unannounced, and to permit you access to each 
location at which any of our General Intangibles are located.

     13.  We will provide you with written notice of the following matters 
immediately upon the occurrence thereof:

          a)  A change in any information provided by us to you herein,  in any 
application made by us in connection with any loan, or otherwise, including 
without limitation, any change in the location of any Collateral or in any other
circumstances regarding the Collateral or our business operations;
<PAGE>
 
          b) Loss, theft, or substantial damage or destruction of any of the 
Collateral or related to our business operations generally; or

          c) Any other matter which might have a material adverse affect on our 
financial condition or operations or which, upon the giving of notice or passage
of time, or both, would result in an event of default by us hereunder.

     14. Any one or more of the following shall be an event of default by us 
under this Agreement:

          a) Failure by us or any person jointly or otherwise liable to you for 
our obligations to you, as surety, guarantor or otherwise ("Other Obligor") to 
pay any amount due you, as and when due, contained or referred to herein or in 
any other instrument, document, or agreement to which we or such Other Obligor 
are a party or by which we or such Other Obligor are bound to you, whether now 
existing or hereafter created; or

          b) Failure by us or any Other Obligor to perform or comply with any 
other obligation, covenant or liability contained or referred to herein or in 
any other instrument, document, or agreement to which we or such Other Obligor 
are a party or by which we or such Other Obligor are bound to you, whether now
existing or hereafter created, and such failure, if reasonably susceptible of
cure, is not cured within fifteen (15) days of the occurrence thereof; or

          c) If any warranty, representation, or statement made or furnished to 
you by us or on our behalf or on behalf of an Other Obligor, including any 
representation made on our behalf by Manufacturer, proves to be false, 
misleading or incomplete in any respect; or

          d) Loss, theft or substantial damage or destruction of any of the 
Collateral, or the making of any levy, seizure, or attachment thereof or 
thereon; or

          e) Dissolution, merger, consolidation, sale or other disposition of a 
controlling interest in our ownership or of substantially all of our assets, 
termination of existence, insolvency, business failure, appointment of a 
receiver, trustee, sequestrator, conservator, or other judicial representative, 
whether similar or dissimilar, for us or for all or any part of our property, 
assignment by us for the benefit of creditors or the commencement of any 
proceeding under any provision of any federal or state bankruptcy or insolvency 
laws; except for the commencement of a proceeding against us under the 
Bankruptcy Code which is contested in good faith and terminated or discharged 
within 30 days, or

          f) Failure by us to pay any obligation(s) or liability(ies) 
whatsoever, past, present or future, when due to any other creditor, or the 
occurrence of any event or default by us under any agreement with any of our 
respective creditors, including without limitation the occurrence of an event of
default under any lease relating to any premises upon which all or any part of 
our Inventory or other Collateral is located; or

          g) If we give notice of a Bulk Sale or intended Bulk Sale, or call a 
meeting of our respective unsecured creditors or offer a composition or
extension to such creditors, or cease to operate our respective business.

    15. Upon the occurrence of an event of default, you shall have the right to 
repossess the Inventory and also any and all rights available under the Code, 
including, without limitation, the right to declare any and all unpaid balances 
of principal, interest, costs and expenses arising out of any and all of our 
obligations or liabilities to you, whether past, present or future, direct or 
indirect, matured or unmatured, liquidated or unliquidated, immediately due and 
payable without notice to or demand on us. We irrevocably authorize you or your 
agent to enter all premises to take possession of and remove the Inventory and 
other Collateral and release you from any and all liability with respect to such
entry or removal. We shall in case of default, if you so request, assemble and 
deliver the Inventory and other Collateral, at our expense, to a place to be 
designated by you. We shall pay all of the costs you incur in the enforcement of
any of our obligations to you or the collection of any liabilities owed to you 
by us, including, without limitation, costs, expenses and reasonable 
attorneys' fees. If any notification of intended disposition of any of the 
Inventory or other Collateral is required by law, such notification shall be 
deemed reasonably and properly given if mailed by ordinary mail or overnight 
delivery service at least ten (10) days before such disposition, postage 
prepaid, addressed to us, either at our address shown in this Agreement, or at 
such other address as we may have designated to you in writing.

     16. To the extent permitted by applicable law, we authorize you, your 
designee, the Clerk of the Court, or any attorney of any Court, in the
Commonwealth of Pennsylvania or any other state, to appear for us at any time in
any and all actions and to confess judgment against us for all sums then owed to
you, whether or not then payable, together with an attorney's fee of 15% of all
sums then owed and/or for the recovery of any or all of the Inventory in our
possession. Wherever this provision is prohibited, unenforceable or unlawful, it
is deemed stricken from this Agreement.

     17. Any law, custom or usage to the contrary notwithstanding, you shall 
have the right at all times to enforce the covenants and provisions of this 
Agreement in strict accordance with the terms hereof, notwithstanding any 
conduct or custom on your part in refraining from so doing at any time or times.
Your failure at any time to invoke your rights under the covenants and 
provisions of this Agreement strictly in accordance with the same shall not be 
construed as having created a custom in any way or manner contrary to the 
specific terms and provisions of this Agreement or as having in any way or 
manner modified, altered or waived the same. Time is of the essence in our 
performance hereunder and under all other agreements with you. All of your 
remedies are cumulative and not alternative, and can be exercised in any order 
and in any manner, separately or simultaneously, and from time to time until all
liabilities and obligations to you are satisfied in full.

     18. This Agreement may be assigned by you, but we may not assign this 
Agreement without your prior written consent. If you assign this Agreement, you 
shall have no further obligation hereunder. All of your rights hereunder shall 
inure to the benefit of your successors and assigns and all our obligations 
shall bind our successors and assigns. If there be more than one party obligated
to you under this Agreement, their obligations hereunder shall be joint and
several, and the terms "we""us" or "our" as used herein shall refer to them
jointly and severally.

     19. We authorize and empower you or your employees, agents or 
representatives, on our behalf, and in our name, to complete and supply any 
omission or blank spaces in this Agreement and in any documents or financing 
statements executed by us and including amendments and continuations thereof 
under the Code; to execute and/or have acknowledged any form of security 
instruments, notes, drafts and documents; and to make any requisite affidavits 
which may be necessary or required by you, and/or which you may desire to 
evidence or secure advances made by you pursuant to the terms of this Agreement.
All of the foregoing may be executed in such form and substance as you in your 
sole discretion may deem necessary or proper, and this power of attorney, being 
coupled with an interest, is irrevocable.

     20. Our officers, by execution hereof, warrant and represent to you that we
are a duly formed corporation and are qualified to do business in the state(s) 
in which our place(s) of business is (are) located; and, at a Board of Directors
meeting duly covered, our officer(s) were properly authorized to execute and
deliver this Agreement and all other documents whether hereunder or otherwise;
that the execution and delivery of this Agreement does not contravene the
Articles of Incorporation, By-Laws, or any agreement, document or instrument to
which we are a party or by the terms of which we are bound.

     21. Any provision or part thereof in this Agreement found upon judicial  
interpretation or construction to be prohibited by law shall be ineffective to 
the extent of such prohibition, without invalidating the remaining provisions 
hereof. All words used shall be understood and construed to be of such gender or
number as the circumstances may reasonably require.
<PAGE>
 
22.    You shall endeavor to promptly notify the working capital lender of your
declaration of an event of default in our obligations to you and shall provide
the working capital lender with at least ten (10) days prior written notice of
your sale or other disposition of any of the collateral. The working capital
lender shall be considered a third party beneficiary of those provisions in this
agreement which relate to the working capital lender.

23.    THIS AGREEMENT SHALL BE DEEMED EFFECTIVE WHEN ACCEPTED AND EXECUTED BY 
YOU IN THE COMMONWEALTH OF PENNSYLVANIA, AND THIS AGREEMENT SHALL BE CONSTRUED 
IN ACCORDANCE WITH SUBSTANTIVE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA.

24.    AS AN INDEPENDENT COVENANT, WE IRREVOCABLY CONSENT TO THE JURISIDICTION
OF THE COURTS OF COMMON PLEAS OF PHILADELPHIA, PENNSYLVANIA AND/OR THE UNITED
STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA IN ANY AND ALL
ACTIONS BETWEEN US WHETHER UNDER THIS AGREEMENT OR OTHERWISE AND TO THE SERVICE
OF PROCESS THEREIN BY CERTIFIED MAIL, RETURN RECEIPT REQUESTED, TO US AT THE
ADDRESS AS SET FORTH HEREIN OR ON YOUR RECORDS, AND IRREVOCABLY WAIVE JURY TRIAL
AND THE RIGHT THERETO IN ANY AND ALL ACTIONS BETWEEN US, WHETHER UNDER THIS
AGREEMENT OR OTHERWISE.


       WE HEREBY ACKNOWLEDGE THAT WE HAVE AND UNDERSTAND ALL OF THE TERMS AND 
       PROVISIONS OF THIS AGREEMENT.

       Intending to be legally bound, signed and delivered on December 20, 1996:
                                                              ------------ ----


Alphanet Solutions, Inc.
----------------------------------
(Corporate Name)


By: /s/ Gary S. Finkel
   -------------------------------
CFO


Attest: /s/ Michael Gang
       ---------------------------
Secretary

(CORPORATE SEAL)




                          APPROVED AND ACCEPTED IN KING OF PRUSSIA, PENNSYLVANIA
                          
                          FINOVA CAPITAL CORPORATION
                          (Secured Party)

                          BY: /s/ Patrick Smith
                             ---------------------------------------------------

                          DATE: 12/26/96
                               -------------------------------------------------