| **UNITED STATES**SECURITIES    AND EXCHANGE COMMISSION  **WASHINGTON,    DC 20549  **FORM 10-KSB  
[X] Annual    Report Pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934  
For the fiscal    year ended December 31, 2001  
Commission File    Number: 0-26307  **Royal    Finance, Inc.
(Exact name of    small business issuer as specified in its charter)    
Florida
65-0827278
(State or Other Jurisdiction    of Incorporation)
(IRS Employer Identification    No.)  
301 Clematis Street, Suite 3000
West Palm Beach, Florida
33415
(Address of Principal    Executive Offices)
(Zip Code)  
561-651-7336
(Issuer's    telephone number)  
Securities registered under    Section 12 (b) of the Exchange Act:
None
(Title of class)  
Securities registered under    Section 12(g) of the Exchange Act:
Common Stock,    Par Value $.01
(Title of class)  
Check whether    the issuer: (i) filed all reports required to be filed by Section 13 or 15(d) of the    Exchange Act during the past 12 months (or for such shorter period that the registrant was    required to file such reports), and (ii) has been subject to the filing requirements for    the past 90 days. Yes [X] No
Check if there    is no disclosure of delinquent filers in response to Item 405 of Regulation S-B is not    contained in this form, and no disclosure will be contained, to the best of the    registrant's knowledge, in definitive proxy or information statements incorporated by    reference in Part III of this Form 10-KSB or any amendment to this Form 10-KSB. [X]
The aggregate    market value of the voting stock held by non-affiliates(*) of the Registrant based on the    average bid prices of $.11 and 3,702,524 shares as of March 31, 2002 was $407,278. As of    March 31, 2002, the Registrant had a total of 12,764,358 shares of common stock, par value    $.01 issued and outstanding.
Issuer’s    revenues for its most recent fiscal year: $688,291.
DOCUMENTS    INCORPORATED BY REFERENCE
There are no    documents incorporated by reference in this report on Form 10-KSB except for certain    previously filed exhibits identified in Registrant’s Form 10-KSB, Forms 10-QSB and    Form S-8.(*) Affiliates for the purposes of    this Item refer to the officers, directors and/or persons or firms owning 5% or more of    the Registrant's common stock, both record and beneficially.
TABLE OF CONTENTS

PART IPageItem 1. Description of Business.3Item 2. Description of Property.14Item 3. Legal Proceedings.14Item 4. Submission of Matters to a Vote of Security Holders.14  
PART IIItem 5. Market for Common Equity and Related Stockholder    Matters.15Item 6. Management's Discussion and Analysis18Item 7. Financial Statements.20Item 8. Changes In and Disagreements With Accountants on    Accounting and Financial Disclosure.33  
PART IIIItem 9. Directors, Executive Officers, Promoters and Control    Persons.34Item 10. Executive Compensation.36Item 11. Security Ownership of Certain Beneficial Owners and    Management.37Item 12. Certain Relationships and Related Transactions.37Item 13. Exhibits and Reports on Form 8-K.38**PART I**
ITEM 1. DESCRIPTION OF BUSINESS.

Background and Corporate History

Royal Finance, Inc., was organized under the laws of the State ofFlorida in April 1998. The Company may sometimes be referred to as "we","us", "our" among other such words as may be appropriate. The Companyentered into an agreement and plan a merger with GoNetgen.com, Inc. , our predecessor,effective as of October 28, 2000, pursuant to which we merged with and into GoNetgen.com,Inc., which was the surviving corporation and changed its name to Royal Finance, Inc. inconnection with the merger. 

GoNetgen.com, Inc., was organized under the laws of the State ofFlorida under the name "Netgen2000, Inc." under the laws of the State of Floridain October 1998. From its organization until October 2000, the  predecessor wasengaged in the development of its Internet marketing services business, and  specialized in designing, creating and marketing what our former management believed to becost-effective Internet web and image sites, products and custom software and providedbusiness customers with interactive Internet image sites along with marketing services, tocreate exposure to audiences of prospective consumers. The predecessor advertised its website as a Community Information Center, which offered free information to Internet userswho clicked on its web site. The name was changed from Netgen2000, Inc. to GoNetgen.com,Inc. during the first quarter of 2000. 

This predecessor continued to develop its Internet marketing servicesbusiness during the first and second quarters of 2000. However, during the summer of 2000,the Chairman and Chief Executive Officer of GoNetgen.com, Inc., Julian Ferretti, passedaway. At the time of Mr. Ferretti’s death, GoNetgen.com’s management consistedof Derek Dunn, president, Lynn Dunn, vice president, and Jennifer Dunn, secretary. Themanagement of GoNetgen.com evaluated its continuing Internet marketing services businessoperations and potential, together with various shareholders and the representatives ofthe estate of Mr. Ferretti. The management of GoNetgen.com determined to that it would bein the best interests of the shareholders of GoNetgen.com if the Internet related businesswas pursued as a private entity and that GoNetgen.com enter into a business combinationand pursue alternative business opportunities. 

As a result of the evaluation of the management of GoNetgen.com, theydetermined that they would be able to increase shareholder value by entering into a mergerwith Royal Finance Inc., located in West Palm Beach, FL. In the discussion below, theCompany refers to Royal Finance, Inc. and/or to Royal Finance, Inc. and its consolidatedsubsidiaries, as applicable.

Business-General
The Company originates mortgage loans through its retail facilities,and its Internet site, www.royalfinance.net. In addition, the Company, through itswholly-owned subsidiary, American Florida Realty, Inc., lists, sell, leases and managescommercial and residential properties and through a 40% percent interest in American TitleServices we close real estate transactions and issues title insurance. 

See the discussion under "Present  Business and Merger"below with regard to the real-estate related business of the Company. Also, in connectionwith the merger, the Company retained an insignificant equity interest in E-City, Inc.,formerly known as GoNetgen.com, Inc., the Company’s former name prior to the merger.

Some of the statements contained in this Form 10-KSB for the year endedDecember 31, 2001 discuss future expectations, contain projections of results ofoperations or financial condition or state other "forward-looking" information.These statements are subject to known and unknown risks, uncertainties, and other factorsthat could cause the actual results to differ materially from those contemplated by thestatements.

The forward-looking information is based on various factors and isderived using numerous assumptions. Important factors that may cause actual results todiffer from projections include, for example:
**-
the success or failure    of management's efforts to implement their business strategy;**-
the ability of the    Company to raise sufficient capital to meet operating requirements;**-
the ability of the    Company to compete with major established companies;**-
the effect of changing    economic conditions;**-
the ability of the    Company to attract and retain qualified employees; and other risks, which may be,    described in future filings with the SEC.
Present Business and Merger
Effective on October 28, 2000, the agreement and plan of merger ofGoNetgen.com, Inc. and Royal Finance was executed. On November 28, 2000 Articles ofAmendment to the Articles of Incorporation of GoNetgen.com were adopted by the board ofdirectors of GoNetgen.com changing its name to Royal Finance, Inc. In connection with themerger, the management of the Company became the management of GoNetgen.com which was thesurviving corporation and the former management of GoNetgen.com resigned. See thedisclosure under Part II, Item 9, "Directors, Executive Officers, Promoters andControl Persons" below.

Real Estate Business

The Company is a diversified financial services company and itsprincipal business activity involves providing and residential and commercial mortgagesmortgage-related services through a sales force of approximately 35 mortgage brokerassociates, loan officers and mortgage lenders, who solicit mortgage loans from realestate agents and builders and developers, among others. 

We originate, process and fund residential and commercial mortgageloans, which are typically resold on an case-by-case basis to institutional and privateinvestors. The Company mainly originates loans that do not conform to agency guidelines(non-conforming loans). Non-conforming loans typically fail to meet agency guidelines dueto credit impairment, higher loan-to-value ratios and debt-to-income ratios, and arepriced to compensate for the additional credit risk. 

The Company's long-term strategy is to expand the operations in itsrespective fields by utilizing marketing through newspapers, Internet, direct mail,billboards, among other means. The Company’s web-site is www.royalfinance.com. Weoperate through commissioned loan officers, who source the business through realtors andbuilders or other contacts. 

Applications are taken primarily in face-to-face interviews. The loanofficer submitted the application to the branch office for processing either in hard copyor through electronic transfer via modem. For conforming loans, applications are thantransmitted through the Federal National Mortgage Association's ("FNMA")automated underwriting system. The applications are then processed in accordance with therequired conditions. For all other loan types, applications are processed in our officeswith verifications collected for key financial information with a complete credit file.Certain loan types require the investor to underwrite the loan. In these situations, wesubmit the application package to the Investor for approval. Once a loan is underwritten,we gather the conditions required by underwriting for approval. When all conditions aresatisfied, we compile all closing documents and the loans are then closed when approved byclosing agents who have executed closing agreements and provided insured closing lettersfrom title insurers.

The loan programs offered by the Company reflect guidelines and terms,which match those, published by approved investors. The loan pricing of the Company isgenerated from a pricing model, which should enable us to generate from our portfolio aspecific dollar profit on each loan regardless of loan size. That approach we believeshould allow us to price larger, more efficient loans and thereby increase our averageloan size. When rates and prices are committed to applicants, the interest rate risk istransferred to the ultimate investor by locking the rate and price with the investor basedupon an agreed to closed loan delivery date.

Conforming Closed Loans

Conforming closed loans are sent to institutional and private investorsin accordance with commitments made at the time that the rate and price were guaranteed.Investors then review the loan files and upon clearing any funding conditions, theinvestor wired the proceeds to the Company's loan bank account for distribution to pay offthe loan and the excess is deposited in the Company's operating account to use theseexcess funds for operations.

Non-Conforming Loans

Non-conforming loans are sold on either a flow or bulk basis with theCompany distributing listings of closed loans and their characteristics to institutionaland private investors who bid on such loan(s) on an auction basis. The bids are subject tothe review of the complete closed loan file, which normally took place on site. Oncefunding conditions are cleared, the investor's funding occurs as with conforming loans.The loan programs and guidelines offered to the brokers and lenders reflect conservativestandards offered by a variety of investors who purchase non-conforming loans routinelyfrom mid-size aggregators such as AFR. 

The pricing offered to brokers and lenders reflects differences basedupon credit grade and loan characteristics within the grade. These differences reflect theadjustments received from the investors for which the Company aggregates product. Theultimate price offered to the broker or lender allows for a specific profit percentage tobe earned on each loan. The Company also charges certain fees on each loan at closing toincrease revenue and offset operational costs.

Business and Marketing Strategy

The Company’s business objective is to be a diversified financialservice provider specializing in mortgage related services. The key elements of theCompany's business strategy are as follows:

- Controlling growth in stable and    improving geographic areas, specializing in the growing South Florida market with our team    of experienced mortgage professionals;
- Building customer loyalty by    providing superior service in our mortgage related business services;
- Managing loan quality in a manner    that allows the loans to command satisfactory pricing from investors;
- Selling additional mortgage related    products and services to our clients through its existing offices and through the opening    of additional real estate offices;
- Providing additional services linked    to the loan process; and
- Developing alternative delivery    channels, which allow for reduced cost through direct contact with the ultimate customer.
In order to achieve our strategic goals, we may also seek to expand ourbusiness operations through the acquisition of other mortgage lending and real estatebrokerage companies. It is the Company's experience and continued understanding that SouthFlorida is and will remain one of the top growth real estate markets in the country. Itsability to accomplish these ends will depend, in part, on the Company's financialcondition, its available cash, its borrowing power and the value of its common shares.There can be no assurance that the Company will be able to successfully exploit any growthin the Florida real estate market and in the mortgage related business.

Potential acquisitions shall be evaluated to determine if in theopinion of our management they would be likely to enhance the net income of the Company,that expected and projected growth rates in earnings and cash flows are attainable andconsistent with the costs associated with the acquisition (required return on equity"ROI" and total return to invested capital "ROIC" of our investors),and that management is capable of developing the growth of operations. The Company during2001 had announced its intention to merge with Canseco Finance, a mortgage servicesbusiness in South Florida. However, subsequent to the year end, the Company and Cansecodetermined not to proceed with any business combination transaction. In the event that weseek to pursue any other transactions, we expect to face competition for acquisitioncandidates, which may limit the number of acquisition opportunities and may lead to higheracquisition prices. 

Marketing Strategy

The Company during 2001 utilized the Internet and its web-sitewww.royalfinance.com as a means of attracting more customers for its mortgage relatedbusiness services. Our e-business strategy included on-line applications, competitivelending rates and desktop underwriting. We also used television, newspaper ads andtargeted direct mail as marketing tools. In addition the Company advertised on itsweb-site through the use of banner ads, e-mails and listings in search engines. Throughthe use of independent consultants, we solicited other existing real estate companies,agents and commission brokers. The Company, through its wholly-owned subsidiary, AmericanFlorida Realty, Inc., lists, sell, leases and manages commercial and residentialproperties. 

Seasonality

The mortgage banking industry is subject to seasonal trends. Thesetrends reflect the general pattern of re-sales of homes, which sales typically peak duringthe spring and summer seasons and decline from January through March. In addition, theprimary home market in Florida tends to increase during the fourth quarter, while thesecond home market increases from October through April. Refinancing tends to be lessseasonal and more closely related to changes in interest rates. The mortgage servicingbusiness is generally not subject to seasonal trends, except to the extent that growth ofa mortgage-servicing portfolio is generally higher in periods of greater mortgage loanoriginations.

Competition

The mortgage banking industry is highly competitive. The Companycompetes with financial institutions, mainly mortgage companies, commercial banks andsavings and loan associations and, to a certain extent, credit unions and insurancecompanies, depending upon the type of mortgage loan product offered. We also competeprincipally by purchasing or originating a variety of types of mortgage loans, emphasizingthe quality of its service and pricing the loans at competitive rates. Many of ourcompetitors have financial resources substantially greater than that of the Company. Manyof the nation's largest mortgage companies and commercial banks have a significant numberof branch offices in areas in which the Company operates. Increased competition formortgage loans from larger lenders may result in a decrease in the volume of loansoriginated and purchased by the Company, thereby possibly reducing the Company's revenues.

The Company competes on the basis of its bundling of products and thequality of its services, which it offers to the consumer. The Company competes with othermortgage companies, servicing brokers, commercial banks, savings associations, creditunions, other financial institutions and various other lenders. Many of these competitorsor potential competitors have pre-existing relationships with established dealer networks.To the extent that any such dealers expand their activities into the Company's market, theCompany could be adversely affected. We also compete with numerous relatively small,regional consumer finance companies. In addition, many of the nation's largest mortgagecompanies, savings associations and commercial banks have a significant number of branchoffices in areas in which the Company operates.

The Company believes that it can provide the same or a better qualityservice than most of its competitors. We also believe that our business strategy willenable us to compete effectively. In addition, the Company competes for its brokerageactivities by recruiting qualified and experienced salespeople, by developing innovativesales techniques, by offering competitive interest rates and product types and byproviding a higher level of service than is furnished by its competitors. However, noassurance can be given that it will be able to do so. Aggressive pricing policies of theCompany's competitors, especially during a declining period of mortgage loan originationcould result in a decrease in the Company’s mortgage loan origination volume and/or adecrease in the profitability of the Company's loan origination, thereby reducing theCompany's revenues and net income. Our main competitors in our South Florida market areRemax/Century 21 and Nexus Financial, among others.

Government Regulation

The mortgage brokerage and lending industry is a regulated industry. InFlorida, the State Department of Banking and Finance administers and enforces the rulesand regulations governing the industry and the laws of the State of Florida law prohibitseither practice of mortgage brokerage and lending without current and active licenses.Conventional mortgage operations also are subject to State usury statutes.

There are various state and local laws and regulations affecting theCompany's operations. The Company is in possession of all licenses required by the Stateof Florida to conduct its business operations and for other states were it transactsbusiness. Conventional mortgage operations also may be subject to state usury statutes.The Company is subject to the rules and regulations of the Federal Housing Administration,FNMA and the Department of Veteran Affairs and state regulatory authorities with respectto originating, processing, underwriting, selling, securitizing and servicing mortgageloans. 

The Company is a correspondent mortgage lender in the State of Florida.The Company is licensed and bonded. To maintain a correspondent lender status the companymust file audited financial statements with the State of Florida on a yearly basis. TheCompany must maintain a minimum net worth of $25,000, with audited statements disclosingthat it has a verifiable and bona fide net worth pursuant to generally accepted accountingprincipals, of at least $25,000, which must be continuously maintained as a licensecondition and to remain in good standing with the State of Florida.

The operations of the Company are subject to extensive regulation byfederal and state governmental authorities and are subject to various laws and judicialand administrative decisions that, among other things, regulate credit activities, requiredisclosures to customers, govern secured transactions and establish collection,repossession and claims handling procedures and other trade practices. 

In addition, there are other federal and state statutes andregulations, as well as judicial decisions, affecting the Company’s operations. Thoserules and regulations, among other things, impose licensing obligations on theCompany’s, establish eligibility criteria for mortgage loans, prohibit discriminationand establish underwriting guidelines which include provisions for inspections andappraisals, require credit reports on prospective borrowers and fix maximum loan amounts,and with respect to the VA loans, fix maximum interest rates. Moreover, lenders such asthe Company are required to submit annually to the FHA, FNMA and VA audited financialstatements, and each regulatory entity has its own financial requirements. The Company'saffairs also are subject to examination by the FHA, FNMA and VA at all times to assurecompliance with all applicable regulations, policies and procedures. Mortgage originationactivities are subject to, among other regulatory requirements, the Equal CreditOpportunity Act, the Federal Truth-in-Lending Act, the Home Mortgage Disclosure Act andRESPA and the regulations promulgated thereunder which prohibit discrimination and requirethe disclosure of certain basic information to mortgagors concerning credit terms andsettlement costs. Many of the aforementioned regulatory requirements are designed toprotect the interests of consumers, while others protect the owners or insurers ofmortgage loans. Failure to comply with these requirements can lead to loss of approvedstatus, termination of servicing contracts without compensation to the servicer, demandsfor indemnification or loan repurchases, class action lawsuits and administrativeenforcement actions.

Environmental Matters

To date, the Company has not been required to perform any investigationor re-mediation activities, nor has it been subject to any environmental claims. There canbe no assurance, however, that this will remain the case in the future. In the ordinarycourse of its business, the Company from time to time forecloses on the propertiessecuring loans. Although the Company primarily lends to owners of residential properties,there is a risk that the Company could be required to investigate and clean up hazardousor toxic substances or chemical releases at such properties after acquisition by theCompany, and may be held liable to a governmental entity or to third parties for propertydamage, personal injury and investigation and clean up costs incurred by such parties inconnection with the contamination. In addition, the owner or former owners of acontaminated site may be subject to common law claims by third parties based on damagesand costs resulting from environmental contamination emanating from such property.

Employees

As of December 31, 2001, the Company had 6 employees, including 5officers. None of the Company's employees are represented by a union and therefore theCompany is not subject to a collective bargaining agreement. As of year end, the Companyconsidered its relations with its employees to be satisfactory. Subsequent to the year endDecember 31, 2001, the Company's president resigned. At present the Company has 4employees and the Company's board  has appointed a new president with experience inreal estate.
**RISK FACTORS**
You should carefully consider the following risks relating to ourbusiness and our common stock, together with the other information described elsewhere inthis Form 10-KSB. If any of the following risks actually occur, our business, results ofoperations and financial condition could be materially affected, the trading price of ourcommon stock could decline, and you might lose all or part of your investment. We haveexperienced losses and we expect future losses and we may not become profitable. 

**We have incurred substantial net losses in the last fiscal year.**

As of December 31, 2001, we had an accumulated deficit of $8,625,477.We incurred net losses of $1,138,180 for the year ended December 31, 2001, and net lossesof $4,917,519 for the year ended December 31, 2000. Net losses may continue to increase.We may not become profitable. If we do not achieve profitability, we may not be able tosustain operations and generate sufficient revenues to fulfill our business plan. If we dobecome profitable, we expect to increase our general and administrative expenses. As aresult, we will need to generate significant additional revenues to achieve and maintainprofitability. We have only a limited operation history, so you may experience difficultyin evaluating our business. We began operations in October 1998 and accordingly, we have alimited operating history on which you can base your evaluation of our business andprospects. In addition, we have recently changed our business model to focus primarily onthe mortgage market. Our prospects are subject to the risks, expenses and uncertaintiesfrequently encountered by companies in the early stages of development. 

**We have only limited operating history, so you may experiencedifficulty in evaluating our prospects.**

We began our mortgage operations in October 2000. Our Web site was notidentified as "www.royalfinance.com" until January 2001. Accordingly, we have alimited operating history on which you can base your evaluation of our business andprospects. 

Our prospects are subject to the risks, expenses and uncertaintiesfrequently encountered by companies in the early stages of development. These risksinclude the following:

- our ability to develop further our    business model;
- our ability to develop further    awareness and loyalty for our services;
- our ability to maintain funding    sources for mortgage loans; 
- our ability to attract and retain    qualified personnel; and 
- our ability to anticipate and adapt    to the changes in the evolving electronic commerce market. 
**We may need additional capital in the future and additionalfinancing may not be available.**

We currently anticipate that our available cash resources will beinsufficient to meet our anticipated working capital and capital expenditure requirements.As a result, we may need to raise additional capital to fund continuing operations and anypossible expansion, of which there can be no assurance. 

We may not be able to obtain additional financing on terms favorable tous, if at all. If adequate funds are not available or are not available on terms favorableto us, we may not be able to effectively execute our business plan and continue ourcurrent level of operations.

**We may originate and fund fewer mortgage loans if interestrates continue to rise.**

In periods of rising interest rates, demand for mortgage loanstypically declines. During those periods, our clients and we will likely originate andfund fewer mortgage loans and our revenues will decline.

Demand for refinancing mortgages declines more significantly than fornew home purchase mortgages during periods of rising interest rates. 

Our gains and losses on sales of mortgage loans in the secondary marketare affected by rising interest rates and our hedging strategy may not offset the risk.

Our ability to generate net gains on the sale of loans in the secondarymarket may be adversely affected by increases in interest rates. Usually, we establishinterest rates on the loans at the same time we obtain commitments from the anticipatedpurchasers of the loans. The mortgage loan purchase commitments we obtain are contingentupon delivery of the loans to the purchasers within specified periods. If we are unable todeliver closed loans on time and interest rates increase, we may experience no gain, oreven a loss, on the sale of these loans. We currently do not use derivative financialinstruments to hedge these risks and are therefore exposed to losses caused by risinginterest rates.

Management employs a hedging strategy to protect us against this risk.Hedging strategies involve buying and selling mortgage-backed securities so that ifinterest rates increase and we expect to suffer a loss on the sale of those loans, ourbuying and selling of mortgage-backed securities will offset the loss. An effectivehedging strategy is complex and no hedging strategy can completely eliminate our risk. Tothe extent that we are unable to effectively match our purchases and sales ofmortgage-backed securities with the sale of the loans we originate, our gains on sales ofmortgage loans may be reduced. See also "Disclosures About Market Risk" in"Management's Discussion and Analysis of Financial Condition and Results ofOperation."

**Selling loans in the secondary market could expose us to lossesif interest rates decline.**

Selling loans to a secondary market investor at a price we agree upon,regardless of whether the loans close involves risk. This strategy potentially generatesgreater revenue for us because secondary market investors are willing to pay more for thistype of commitment. However, it also exposes us to penalties if interest rates decline andborrowers choose not to close on the higher interest rate loans that we promised investorsbefore the decline in interest rates.

**Our net interest income may be reduced by fluctuations inintermediate-term and short-term interest rates.**

When intermediate-term interest rates approach or sink below short-terminterest rates, our net interest income is reduced or we suffer net interest losses. Weearn net interest income or suffer net interest losses from the time we fund a mortgageloan until it is delivered to an investor in the secondary market. That time periodgenerally consists of 18-40 days. Whether we earn net interest income or suffer netinterest losses depends on the difference between the interest rates on mortgage loans wefund and the interest rates on the money we borrow to fund those mortgage loans.

The interest rates on mortgage loans we fund are affected byintermediate-term rates in the United States. The interest rates on the money we borrow tofund mortgage loans are affected by short-term rates based on the London Interbank OfferedRate (LIBOR). If the intermediate-term rates in the United States approach the LIBOR rate,our net interest income is reduced or we suffer net interest losses.

**Fluctuations may occur in our operating results due toseasonality and other factors, any of which may reduce the price of our common stock.**

Our revenue is subject to seasonal and other fluctuations. Due to thesefactors, our operating results during any given period may suffer, which could result in areduction in the trading price of our common stock.

Home sales typically peak during the spring and fall seasons anddecline in the summer and winter. Our operating results may fluctuate significantly as aresult of a variety of other factors, many of which are outside our control. These factorsinclude the following:

- a decline in residential    home buying that decreases the demand for purchase mortgage loans; 
- an increase in interest    rates that decreases the demand for refinancing existing mortgage loans; and 
- the number of    applications generated through our Web site. 
**If our business grows significantly, we may have difficultymanaging the growth.**

We may experience periods of rapid growth that may place a significantstrain on our limited financial and resources. If we fail to manage our growtheffectively, the quality of our services will be impaired and our financial performancewill suffer.

If we are unable to maintain adequate financing sources, our ability tooriginate and fund mortgage loans will be impaired and our revenues will suffer.

Our ability to fund mortgage loans depends to a large extent upon ourability to secure financing on acceptable terms. We currently fund most of the loans weoriginate through large lines of credit known as warehouse lines of credit, or undercollateralized loan repurchase agreements. Several commercial banks and institutionalinvestors provide these funding sources. Most of these financing arrangements haveone-year terms and some are cancellable by the lenders at any time.

If we are not successful in renewing our borrowings or in arranging newfinancing with terms as favorable as the terms of our current financing arrangements, wemay have to curtail our origination and funding activities, which would reduce ourrevenue.

All of the financing arrangements we use to fund mortgage loans aresubject to financial covenants and other restrictions. Because we are an early stage, weare at times not in compliance with those covenants and restrictions and rely on waiversfrom the various lenders. If we are unable to operate within the covenants or obtainwaivers, all amounts that we owe under the financing arrangements could become immediatelypayable. The termination of a financing arrangement by a lender, or the acceleration ofour debt, would have a significant negative effect on our business.

**Additional pricing pressures resulting from increased onlinecompetition could reduce our revenues.**

Pricing of mortgage loans on the Internet is also highly competitive.Pricing to borrowers involves a number of factors, including the interest rate on theloan, up-front origination fees and processing, underwriting and document preparationfees. Increased competition in the online arena has forced mortgage lenders, including us,to reduce our prices to borrowers, thus reducing revenue.

Our competitors in the mortgage banking market are often larger, moreexperienced and have greater financial resources than we do, which will make it difficultfor us to successfully compete.

We must compete with other mortgage banking companies, commercialbanks, savings associations, credit unions, insurance companies and other financialinstitutions in every aspect of our business. Many of these companies and financialinstitutions are larger, more experienced and have greater financial resources than we do.Accordingly, we may not be able to compete successfully in the mortgage banking market.Our competitors may be able to respond more quickly to take advantage of new or changingopportunities, technologies and customer requirements. They also may be able to undertakemore extensive promotional activities, offer more attractive terms to borrowers and adoptmore aggressive pricing policies.

**A discontinuation or reduction in secondary market programswould hurt our financial performance.**

Our ability to sell mortgage loans to institutional investors in thesecondary market is largely dependent upon the continuation of programs administered byFannie Mae, Freddie Mac, Ginnie Mae and private mortgage investors. These entitiesfacilitate the sale of mortgage loans and mortgage-backed securities through the secondarymarket. Any discontinuation of or reduction in the operation of those programs or anysignificant impairment of our eligibility to participate in those programs would hurt ourfinancial performance. In addition, any significant adverse change in the secondary marketlevel of activity or the underwriting criteria of Fannie Mae, Freddie Mac, Ginnie Mae orother private mortgage investors would reduce our revenues.

**If the economy of Florida experiences a downturn, our businessmay be significantly affected.**

Although we expect our mortgage loan business to have a greaternational scope in the future, our short-term results of operations and financial conditionwill be negatively affected by poor economic conditions in Florida, particularly in theirresidential real estate markets.

**If we are unable to comply with mortgage banking rules andregulations, our ability to originate and fund mortgage loans may be restricted.**

Our mortgage banking business is subject to the rules and regulationsof various federal, state and local regulatory agencies in connection with originating,processing, underwriting and selling mortgage loans. These rules and regulations, amongother things, impose licensing obligations on us, prohibit discrimination, establishunderwriting guidelines and mandate disclosures and notices to borrowers. We also arerequired to comply with each regulatory entity's financial requirements. If we do notcomply with these rules, regulations and requirements, the regulatory agencies mayrestrict our ability to originate and fund mortgage loans.

We also must comply with state usury laws. If we fail to comply withthese laws, the states can impose civil and criminal liability and restrict our ability tooperate in those states. In addition, secondary market investors may demandindemnification or require us to repurchase loans sold in the secondary market. We alsomay be subject to class action lawsuits. Any of these events could impair our ability tooriginate and fund loans, which would reduce our revenue.

Changes in regulatory requirements or the interpretations of thoserequirements could increase our costs of doing business or otherwise hurt our financialperformance.

Regulatory and legal requirements are subject to change and may becomemore restrictive, making our compliance more difficult or expensive or otherwiserestricting our ability to conduct our business as it is now conducted. Changes in theseregulatory and legal requirements could increase our costs of doing business.

Many states prohibit non-employees of a licensed mortgage company fromconducting business under that licensed mortgage company's name. Our clients often hire usto provide back office functions, such as processing and underwriting. Because providingthese back office services is a relatively new concept in the industry, most stateregulations do not specifically address the provision of back office services. As stateregulators become more familiar with these practices, it is possible that they mayinterpret current regulations or enact new regulations to restrict our ability to performthese back office services for our clients, either of which would adversely affect ourfinancial performance.

**If we fail to maintain mortgage-banking authority in the stateswhere we do business, we may incur liability.**

We are authorized to originate loans for first mortgages on homes in  states. If we fail to maintain our licensing approvals and exemptions in thosejurisdictions, we may incur liability and may be unable to transact business in thosejurisdictions.

We have authority in seven states to originate loans for mortgages thatwould be subordinate to first mortgages in a foreclosure proceeding. In those states inwhich we do not have authority to originate subordinate lien mortgages, or in which ourauthority to do so is limited, we do not originate subordinate lien mortgage loans. If wewere to originate a subordinate lien mortgage loan in a state without authority to do so,we might incur liability.

Some states require us to obtain prior approval before a change ofcontrol of our company occurs. As a public company, we may not have advance notice of achange of control occasioned by a stockholder's purchase of our stock in the open market.We also are not able to control who purchases our voting stock in the open market. If anyperson holding 10% or more of our stock fails to meet a state's criteria, or refuses tocomply with state regulatory requirements, we could lose our authority to originatemortgage loans in that state, which could hurt our business, results of operations andfinancial condition.

**Early mortgage loan payment defaults may cause losses.**

If borrowers default in the first few months after the loan isoriginated, we may be required to repurchase those loans from the secondary marketinvestors to whom we sold those loans. We may not be able to resell those loans in thesecondary market. Our financial performance may be adversely affected during economicdownturns when the frequency of loan defaults tends to increase.

**We may be required to repurchase loans or indemnify investorsif we breach representations and warranties.**

When we sell a mortgage loan to a secondary market investor, we makerepresentations and warranties about characteristics of the mortgage loan, the borrowerand the underlying property. If we breach any of these representations and warranties, wemay be required to repurchase the loan from the investor or indemnify the investor for anydamages caused by the breach.

With some loan sales, we may be required to return a portion of thepremium paid by the investor for the loan if the loan is prepaid within the first yearafter its sale. If we are regularly required to repurchase loans, indemnify investors orreturn loan premiums, it would have an adverse effect on our financial performance.

**A delay in the receipt of services from third parties mayreduce our revenues.**

We rely on third party sources for some of the information used in themortgage loan underwriting process, including credit reports, appraisals and titlesearches. Any interruptions or delays in obtaining these services may cause delays in ourprocessing and closing of mortgage loans, which could create customer dissatisfaction andinjure our market position.

Because our executive officers and directors beneficially own amajority of the voting stock, they have the ability to control all matters submitted tostockholders for approval, which will limit your ability to control the company.

Our officers and directors beneficially own or control7,461,834 shares of common stock, which represents approximately 62.67 % of theoutstanding shares of common stock outstanding as of March 31, 2002. As of the date ofthis Form 10-KSB, if executive officers and directors act together, they will have theability to control all matters submitted to our stockholders for approval, including (1)the election and removal of directors and (2) any merger, consolidation or sale of all orsubstantially all of our assets.

**Future sales of our common stock may depress our stock price.**

Sales of a substantial number of shares of our common stock in thepublic market could cause a reduction in the market price of our common stock. Moreover,we may issue additional shares in acquisitions and may grant additional stock options toour employees, officers, directors and consultants under our stock option plan.

ITEM 2. DESCRIPTION OF PROPERTY

During the fiscal year 2001, the Company maintained its administrativeoffices at 1481 South Military Trail, Suite 14, West Palm Beach, Fl 33415, telephone (561)649-3901. This office is leased for a term of 24 months, and at present the rent is $2,200a month. American Florida Realty, a wholly-owned subsidiary, maintains a real estateoffice in Suite 12 at the same address, telephone (561) 966-7666. During 2001, the Companyhas an office at 4956-21 Le Chalet Blvd. Boynton Beach, Florida 33436, telephone (561)735-0711, which serves as a mortgage and real estate sales office. This office is leasedfor a term of 36 months at a monthly rental of $1,956. We believe that our facilities areadequate for our current needs. 

ITEM 3. LEGAL PROCEEDINGS

There are no legal proceedings presently pending or threatened against the Company.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS. 

None

**PART II**

ITEM 5. MARKET PRICE OF AND DIVIDENDS ON THE REGISTRANT'S COMMON EQUITY AND OTHERSHAREHOLDER MATTERS

(A) Market InformationOur shares of common stock are traded over-the-counter in what is referred to as theOTC:Bulletin Board under the symbol ROYA. As of  March 31, 2002, there were 15 marketmakers submitting quotations on the OTC:BB. However, the trading volume during the pastfour months has been sporadic. The following information with respect to the high and lowbid price of our shares was obtained from the National Quotation Bureau. The quotationsreflect inter-dealer prices, without retail mark-up, mark-down or commission and may notrepresent actual transactions. On May 12, 1999, our shares were subject to a 1 for 6reverse split and in October 2000, our shares were subject to a 1 for 30 recapitalizationand the table below reflects such information.
**Fiscal Year 1999****High**LowFourth Quarter Ending December 31,
$1.12
$1.00**Fiscal Year 2000**First Quarter Ending March 31,
$3.50
$1.00Second Quarter Ending June 30,
$2.50
$0.87Third Quarter Ending September 30,
$1.32
$0.19Period Ending December 31,*
$1.81
$1.12**Fiscal Year 2001**First Quarter Ending March 31,$3.00$1.12Second Quarter Ending June 30,
$2.50
$0.87Third Quarter Ending September 30,
$1.32
$0.19Period Ending December 31,
$1.81
$1.12**Fiscal Year 2002**First Quarter Ending March 31, $0.95$0.09(*)During the fourth quarter of    2000, the Company had a 1 for 30 recapitalization by action of the board of directors.
(B) HoldersAs of March 31, 2002, there were 228 holders of our shares. 

(C) DividendsHolders of Common Stock are entitled to dividends when, as, and if declared by theBoard of Directors, out of funds legally available therefore. The Company has never paidcash dividends on its Common Stock. The Board of Directors does not anticipate paying cashdividends in the foreseeable future as it intends to retain future earnings to finance thegrowth of the Company's businesses. The payment of future cash dividends will depend onsuch factors as earnings levels, anticipated capital requirements, the operating andfinancial condition of the Company and its subsidiaries and such other factors that theBoard of Directors of the Company may deem relevant.

Recent Sales of Unregistered Securities

The following information is given with regard to unregistered securities sold by theCompany during the past three years, including the dates and amounts of securities sold;the persons to whom we sold the securities; the consideration received in connection withsuch sales and if the securities were issued or sold other than for cash, the descriptionof the transaction and the type and amount of consideration received.The following information is given with regard to unregistered securities sold by theCompany during the past three years, including the dates and amounts of securities sold;the persons or class of persons to whom we sold the securities; the consideration receivedin connection with such sales and if the securities were issued or sold other than forcash, the description of the transaction and the type and amount of considerationreceived.In January 1999, $39,000 of bridge loans were advanced by five (5) lenders("Lenders"). The Lenders received convertible notes which required the loans berepaid within twelve (12) months or, at the option of the Lenders, be converted into theCompany's common shares for a maximum 13,000 shares. On April 2, 1999, the Lendersexercised their conversion rights. This transaction was in reliance on Regulation D, Rule504.In January 1999, we engaged U.S. Realty Group, Inc. as a consultant regarding themanagement and operations of the Company, as well as future financing, and acquisitions.The consultant is to devote up to one day per month at the request of the Company foradvice and assistance. In exchange for the consultant's services, we have granted theconsultant options to purchase four hundred thousand (13,333) shares of our common stockat a price of $.01 per share. These options were exercised on March 31, 1999. An identicalconsulting agreement was entered with Fidelity MFG, Inc. for 400,000 options. Fidelity MFGis solely owned by Julien Ferretti, the Company's board chairman. We also issued Mr.Ferretti an additional 30,000 options exercisable at $.01 per share, upon joining theCompany. These options were exercised on April 2, 1999. These transactions were inreliance on Regulation D, Rule 504. On March 25, 1999, we commenced a private placement of 7,833 Units, Each Unit consists ofone (1) share of common stock, $.01 par value, and one (1) redeemable Warrant, which whenexercised entitles the holder to one (1) share of common stock at an exercise price of one($1.00) dollar, subject to adjustment under certain circumstances. The Warrants areredeemable by the Company at any time after one year from July 23, 00, on thirty (30) dayswritten notice (which notice may not be given prior to the one year period) at a price of$.0001 per Warrant, subject to prior exercise, should the common stock trade at a closingbid price of at least three ($3.00) dollars per share for twenty (20) consecutive tradingdays. The Warrants may not be exercised for one (1) year from July 23, 00, and shallexpire on or before the close of business two (2) years thereafter, July 23, 2002, unlessextended. This private placement was in reliance on Regulation D, Rule 504.On April 5, 1999, the Company issued B Warrants in the following amounts at $0.01 perwarrant and for services rendered to the Company, in reliance on Regulation D, Rule 504:David Brandes 10,000, E-Z Mortgage Finance Co. 10,000, Julian Ferretti 8,333, DouglasMeyers 1,666 and Sherri Simpson 1,666.
DateTitleAmount of Securities SoldPersonsCash or Non Cash Consideration01/12/00Common    Stock334Ray    G. ClarkPrivate Placement (1) 01/12/00Common    Stock334Frederick    DreuryPrivate Placement (1) 01/12/00Common    Stock334Philippe    JaulinPrivate Placement (1) 01/12/00Common    Stock167Michael    GinsbergPrivate Placement (1)01/12/00Common    Stock667Alberto    BenenatiPrivate Placement (1) 01/12/00Common    Stock1,000Realty    Solutions, Inc.Private Placement (1) 01/13/00Common    Stock514Sirous    GhanimatiPrivate Placement (1) 05/10/00Common    Stock167Douglas    MeyersPrivate Placement (1) 05/10/00Common    Stock834David    and Miriam FeinbergPrivate Placement (1) 05/10/00Common    Stock600Royal    Finance, Inc.Non-cash compensation for services provided07/13/00Common    Stock600Royal    Finance, Inc.Non-cash compensation for services provided09/29/00Common    Stock667Gary    C. EvansPrivate Placement (1) 11/22/00Common    Stock1,000,000Sherry    MullerNon-cash compensation for merger consulting services11/22/00Common    Stock1,000,000Douglas    Meyers, former CEONon-cash compensation for services provided.11/22/00Common    Stock200,000Melanie    B. AndersonNon-cash compensation for services provided.11/22/00Common    Stock200,000Lisa    Wilde, former Secretary and DirectorNon-cash compensation for services provided.11/22/00Common    Stock200,000Martin    Bolodian, Former President and DirectorNon-cash compensation for services provided.11/22/00Common    Stock250,000Derek    DunnNon-cash compensation for merger consulting services11/22/00Common    Stock350,000Jeanette    DunnNon-cash compensation for merger consulting services01/02/01Common    Stock3,800William    TavertiseNon-cash compensation to employee01/02/01Common    Stock5,000Leo    BloomNon-cash compensation for consulting services01/02/01Common    Stock100Norma    MirskyNon-cash compensation for consulting services01/02/01Common    Stock500Ernest    WashingtonNon-cash compensation to employee01/02/01Common    Stock700Gary    C. EvansNon-cash compensation for consulting services01/02/01Common    Stock2,500Lydia    SalasNon-cash compensation to employee01/02/01Common    Stock5,000Clara    FernandezNon-cash compensation to employee01/02/01Common    Stock5,000Rolando    FernandezNon-cash compensation to employee01/02/01Common    Stock5,000Robert    A. CarnavilNon-cash compensation for consulting services01/02/01Common    Stock2,500Jesse    McGowanNon-cash compensation to employee01/02/01Common    Stock250Kristy    I. GormanNon-cash compensation to employee01/02/01Common    Stock1,000Patricia    HerterNon-cash compensation to employee01/02/01Common    Stock5,000Maryluz    SellNon-cash compensation to employee01/02/01Common    Stock5,000Olga    OlivaresNon-cash compensation to employee01/02/01Common    Stock5,000Maria    CompanionyNon-cash compensation to employee01/02/01Common    Stock25,000Christopher    ThompsonNon-cash compensation to employee01/02/01Common    Stock20,000Ray    G. ClarkNon-cash compensation for consulting services01/02/01Common    Stock200,000CR    Capital Services, Inc.(2)Non-cash compensation for corporate securities and legal services01/03/01Common    Stock100,000Leon    P. Wilde, Former CFO and DirectorNon-cash compensation for services provided.02/20/01Common    Stock100,000Jennifer    HansonNon-cash compensation for consulting services03/08/01Common    Stock100,000Jennifer    HansonNon-cash compensation for consulting services03/08/01Common    Stock30Patty    BrickNon-cash compensation for website consulting services03/08/01Common    Stock5,000Bill    DominguezNon-cash compensation to employee03/20/01Common    Stock2,500Bill    DominguezNon-cash compensation to employee03/20/01Common    Stock50,000Deborah    FerrettiNon-cash compensation for consulting services03/20/01Common    Stock100,000Jeanette    DunnNon-cash compensation for consulting services04/16/01Common    Stock4,000Martin    Bolodian, Former President and DirectorNon-cash compensation for services provided.04/16/01Common    Stock4,000Eric    Anderson, Former Vice-PresidentNon-cash compensation for services provided04/16/01Common    Stock4,000Sherry    MullerNon-cash compensation for services provided04/16/01Common    Stock4,000Lisa    Wilde, Former Secretary and DirectorNon-cash compensation for services provided04/16/01Common    Stock4,000Douglas    Meyers, Former CEONon-cash compensation for services provided04/16/01Common    Stock2,000Leon    Wilde, Former CFO and DirectorNon-cash compensation for services provided08/15/01Common    Stock50,000Deborah    FerrettiNon-cash compensation for consulting services08/17/01Common    Stock10,000Richard    P. GreeneNon-cash compensation for legal consulting services09/12/01Common    Stock15,000The    Research Works, Inc.Non-cash compensation for consulting services12/26/01Common    Stock4,000Patricia    HerterNon-cash compensation to employee(1) We relied upon Section 4(2) of the Act as the    basis for the exemption from the registration requirements of the Act and there was no    public solicitation involved. The shares of restricted common stock were sold to private    investors. All recipients either received adequate information about the Company or had    access, through employment or other relationships, including business and personal    relationships with the Company's management to such information.    (2) The Company canceled 160,000 shares issued in the name of the consultant in connection    with its termination of its corporate securities consulting arrangement. The Company's    present management believes that these shares were subsequently transferred to a third    party accredited investor unrelated to the original holder.
ITEM 6. MANAGEMENT'S DISCUSSION AND ANALYSIS

General

Effective October 20, 2000, Royal Finance Inc., a privately held entity combined itsoperations into a publicly held corporation gonetgen.com. This business combination wasaccounted for as an equity transaction and not as a merger. In addition, this transactionwas accompanied by a reserve stock recapitalisation of 1 for 30. In conjuction with thisbusiness combination, the Company discontinued its internet related business.The netassets of the web business were immaterial at the time of the discontinuation. 

The Company is a holding company, which currently has one wholly ownedoperating subsidiary. We own all outstanding shares of American Florida Realty, a licensedreal estate corporation. American Florida Realty is a wholly owned subsidiary of theCompany. In addition to its conventional real estate brokering business, we also utilizeAmerican Florida Realty for providing additional services to real estate foreclosures. Thecompany plans on opening addition's real estate offices or acquire existing real estateoffices. By increasing the number of real estate outlets, the company will capitalize onthe revenue sharing structure it has created. An example of this would be referring amortgage to Royal Finance in addition Royal Finance would refer a title policy to AmericanTitle Service. This cross selling strategy will increase the company revenues while at thesame time keep expenses down.

We operate primarily in the State of Florida. Our business strategy isto increase the volume of our loan origination's, purchase and selling conventional loanson properties. We are a leading mortgage business in Palm Beach County in originatingmortgage loans. Through a sales force of mortgage broker associates and loan officers, wesolicit mortgage loans from real estate agents and builders. 

We intend to grow through the acquisition of additional andcomplimentary businesses, which can be acquired at reasonable earnings multiples andpresent opportunity for growth and profitability through the application of improvedaccess to financing and management expertise by utilizing synergistic relationships. Weintend to consolidate existing mortgage brokers, title insurance and real estate officesin the South Florida area. The average real estate office is typically a four-personoperation, without proper funding for advertising or expansion. It is the Company's intentto retain all essential personnel and consolidate to a central location.

Potential acquisitions are evaluated to determine that they would beaccretive to earnings and equity, that the expected and projected growth in earnings andcash flows are attainable and consistent with the required return on equity (ROI) andtotal return to investors (ROIC), and that management is capable of developing the growthof operations. 

The Company expects to face competition for acquisition candidates,which may limit the number of acquisition opportunities and may lead to higher acquisitionprices. 

There can be no assurance that the Company will be able to identify,acquire or manage profitably additional businesses or to integrate any acquired businessesinto the Company without substantial costs, delays or other operational or financialproblems. Further, acquisitions involve a number of risks, including possible adverseeffects on the Company's operating results, diversion of management's attention, failureto retain key personnel of the acquired business and risks associated with unanticipatedevents or liabilities, some or all of which could have a material adverse effect on theCompany's business, financial condition and results of operations. The timing, size andsuccess of the Company's acquisition efforts and the associated capital commitments cannotbe readily predicted. The Company currently intends to finance future acquisitions byusing shares of its common stock and other forms of financing as the consideration to bepaid.

In the event that the common stock does not maintain a sufficientmarket value, or potential acquisition candidates are otherwise unwilling to accept commonstock as part of the consideration for the sale of their businesses, the Company may berequired to seek other forms of financing in order to maintain its acquisition program. Ifthe Company does not have sufficient cash resources, its growth could be limited unless itis able to obtain additional equity or debt financing.

New Accounting Pronouncements

Derivative and Hedging Activities - In June 1998, the FASB issued SFASNo. 133, "Accounting for Derivative Instruments and Hedging Activities"("SFAS 133"). SFAS 133 requires companies to recognize all derivative contractsas either assets or liabilities in the balance sheet and to measure them at fair value.SFAS 133 is effective for the fiscal year ended December 31, 2000. The Company does notexpect adoption of the new standard on January 1, 2001 to affect its financial statements.
**Consolidated Results of Operations

Year Ended December 31, 2001 compared to Year Ended December 31, 2000

Our commission income for the year ended December 31, 2001 was $688,291as compared to commission income of $522,015, or an increase by 32%. Our general andadministrative expenses during the year ended December 31, 2001 were $1,826,103 comparedto 3,905,235 in 2000. Our general and administrative expenses includes expenses fornon-cash compensation for services provided by employees, officers, directors and vendorsof $952,350 in 2001 and $1,530,400 in 2000, or a decrease by 38%. Our net loss for theyear ended December 31, 2001 was $1,138,180 compared to a loss of $4,917,519. Our net lossfor the year ended December 31, 2000 included a loss from discontinued operations relatedto our former Internet operations of $1,534,299. These losses resulted in a loss per shareof $0.27 for the year 2001 and a loss per share of $1.45 for the year 2000. The loss pershare for the year 2000 includes a loss per share of $.45 from discontinuing operations. 

Liquidity and Capital Resources

We had total assets of $36,727 at December 31, 2000 compared to totalassets of $49,210 at December 31, 2000. The decrease was mainly due to a decrease incurrent assets by $11,000.

Our total liabilities at December 31, 2001 were $80,871 compared to$24,024 at December 31, 2000.  Our liabilities at December 31, 2001 consisted ofaccounts payable and accrued expenses in the amount of $40,286 compared to $24,024 atDecember 31, 2000 and payroll liabilities of $29,085 at December 31, 2001. We hadlong-term liabilities of $11,500 because of note issued to a director.

We had negative cash flows from our operating activities of $123,828during 2001compared to negative cash flow from operating activities of $39,745 in 2000. 

Cash flows used for investing activities was $4,303 in 2001 compared to$39,745.

Our cash flow from financing activities was $128,000 in 2001 comparedto $75,000 in 2000. The Company received proceeds from the sale of common stock of$138,500 and $11,500 from a loan from a director. See also note 5 Stock Transactions tothe notes to the consolidated financial statements.

ITEM 7. FINANCIAL STATEMENTS.
Royal Finance, Inc. and    Subsidiary  
Index to Consolidated    Financial Statements  Independent Auditors' Report21   Consolidated Balance Sheets22   Consolidated Statements of Operations23   Consolidated Statements of Stockholders'    Equity (Deficit)24   Consolidated Statements of Cash Flows25   Notes to Consolidated Financial Statements27 **INDEPENDENT AUDITORS’ REPORT

 
Board of DirectorsRoyal Finance, Inc.301 Clematis St., Suite 3000West Palm Beach, Florida 33401

Members of the Board:

We have audited the accompanying consolidated balance sheets of RoyalFinance, Inc. and Subsidiary as of December 31, 2001 and 2000, and the relatedconsolidated statements of operations, stockholders’ equity (deficit) and cash flowsfor the years then ended. These consolidated financial statements are the responsibilityof Company’s management. Our responsibility is to express an opinion on theseconsolidated financial statements based on our audit.

We conducted our audit in accordance with auditing standards generallyaccepted in the United States of America. Those standards require that we plan and performthe audit to obtain reasonable assurance about whether the financial statements are freeof material misstatement. An audit includes examining, on a test basis, evidencesupporting the amounts and disclosures in the financial statements. An audit also includesassessing the accounting principles used and significant estimates made by management, aswell as evaluating the overall financial statement presentation. We believe that our auditprovides a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to abovepresent fairly, in all material respects, the financial position of Royal Finance, Inc.and Subsidiary as of December 31, 2001 and 2000, and the results of its operations, itschanges in stockholders’ equity (deficit) and its cash flows for the years then endedin conformity with accounting principles generally accepted in the United States ofAmerica.

The accompanying consolidated financial statements have been preparedassuming that the Company will continue as a going concern. As discussed in Note 11 to theconsolidated financial statements, the Company has had recurring losses, has minimalassets, and has total liabilities of approximately $81,000 as of December 31, 2001. As ofthe date of these consolidated financial statements, no capital has been raised, and assuch there is no assurance that the Company will be successful in its efforts to raise thenecessary capital to continue operating. These factors raise substantial doubt about theCompany’s ability to continue as a going concern. The financial statements do notinclude any adjustments that might result from the outcome of this uncertainty.

                                                                               /s/ Grassano Accounting, P.A.

Boca Raton, FloridaApril 9, 2002
**Royal Finance, Inc. and    Subsidiary**Consolidated Balance Sheets
December 31,20012000
ASSETSCurrent assets:   Cash and cash    equivalents
$556$687   Commissions    Receivable3,981
14,939          Total current assets4,537
15,626Property and equipment:   Computer equipment6,5045,086   Furniture, fixtures    and equipment32,918
30,03339,42235,119   Less: Accumulated    depreciation9,832
4,235          Net property and equipment29,59030,884Other assets:   Ddeposits2,6002,700          Total other assets2,6002,700          Total assets
$36,727
$
49,210LIABILITIES AND STOCKHOLDERS'    EQUITY(DEFICIT)Current liabilities:   Accounts Payable    and Accrued Expenses
$40,286
$24,024   Payroll taxes    payable29,085
-          Total current liabilities69,371
24,024Long-term liabilities:   Note    payable-director11,500-          Total liabilities80,87124,024Preferred Stock $10 par value    1,000 shares authorized, issued and    outstanding10,000
10,000Common Stock, $.01 par value    20,000,000 shares    authorized 4,639,358 shares issued and 4,139,358 outstanding in 2001    and 3,403,045 issued and outstanding in 2000 
46,394
 

34,030Additional Paid-In Capital8,558,439
7,468,453Less: Stock subscriptions    receivable(11,500)-Accumulated deficit(8,625,477)
(7,487,297)Less: Treasury stock at cost,    500,000 shares(22,000)-          Total stockholders' equity (deficit)(44,144)
25,186Total liabilities and    stockholders' equity (deficit)
$36,727
$
49,210The accompanying notes    are an integral part of these consolidated financial statements.**Royal    Finance, Inc. and Subsidiary**Consolidated    Statements of Operations  
Years Ended December 31,  
2001
2000  Commission income$688,291$522,015  Operating expenses   General and    administrative1,826,103
3,905,235Loss from continuing operations(1,137,812)(3,383,220)  Other income (expense)   Interest income340-   Interest expense(708)-   Loss from    discontinued operations-(1,534,299)  Net loss$(1,138,180)$(4,917,519)    Basic and diluted income (loss)    per common share from:   Continued    operations$(0.27)$(1.00)   Discontinued    operations$-$(0.45)   Net loss$(0.27)$(1.45)Basic and diluted weighted    average common shares    outstanding    4,211,208    3,378,544The accompanying notes    are an integral part of these consolidated financial statements.
 

**Royal Finance, Inc.    and Subsidiary**
Consolidated Statements of    Stockholders' Equity (Deficit)
For the Years Ended December    31, 2001 and 2000  
Preferred Stock
Common Stock
Additional
Stock
Number of
Number of
Paid-in
Subscriptions
Accumulated
Treasury
Shares
Amount  
Shares
Amount
Capital
Receivable
Deficit
Stock
TotalBalance, December 31, 1999 (unaudited)-$-3,350,032$33,500$5,873,583$-$(2,569,778)$-$3,337,305Preferred stock issued1,00010,000--5,000---15,000Common stock issued as compensation for services--28,833288864,712---865,000Common stock issued in private placement--2,0002059,980---60,000Common stock issued as compensation for services--667719,993---20,000Common stock issued as compensation for services--21,513215645,185---645,400Net loss------(4,917,519)-(4,917,519)Balance, December 31, 20001,00010,0003,403,04534,0307,468,453-(7,487,297)-25,186Common shares issued for compensation to    employees, officers, and directors--    624,480    6,245    831,105    -    -    -    837,350 Issued common stock in purchase of treasury stock--100,0001,000(1,000)--(22,000)(22,000)Issued common stock to vendors for services--287,5002,875112,125---115,000Employee purchased stock under stock option    agreement--    225,000    2,250    147,750    (11,500)    -    -    138,500Cancelled stock issued to vendor--(667)(6)6----Net loss--  ----(1,138,180)-(1,138,180)Balance, December 31, 20011,000$10,000  4,639,358$46,394$8,558,439$(11,500)$(8,625,477)$(22,000)$(44,144)The accompanying notes are an integral part of    these consolidated financial statements.
 
**Royal    Finance, Inc. and Subsidiary**Consolidated    Statements of Cash Flows     
Years    Ended December 31,  20012000Cash flows from operating activities:Net loss$(1,138,180)$(4,917,519)Adjustment to reconcile net loss to net    cash used       for operating activities:     Depreciation5,5973,759     Loss from sale of    securities-4,627     Stock issued to    employees, officers, directors       and    vendors for services952,3501,530,400     Stock    recapitalization-3,347,559     Decrease    (increase) in commissions receivable10,958(14,939)     Decrease    (increase) in deposits100(700)     Increase in    accounts payable and accrued expenses16,26212,024     Increase in    payroll taxes payable29,085-Net cash provided by (used in) operating    activities(123,828)(34,789)   Cash flows from investing activities:   Proceeds from sale of    securities-141,264   Purchase of securities-(145,891)   Purchase of property and    equipment(4,303)(35,118)Net cash provided by (used in) investing    activities(4,303)(39,745)   Cash flows from financing activities:   Proceeds from note payable11,500-   Proceeds from sale of common    stock138,50060,000   Proceeds from sale of    preferred stock-15,000   Purchase of treasury stock(22,000)-Net cash provided by (used in) financing    activities128,00075,000   Increase (decrease) in cash(131)466Cash at beginning of period687221Cash at end of period$556$687  Supplemental disclosure of cash flow    informationCash paid during the period for interest$-$-   Supplemental disclosure of    non-cash transactions:
In January    2000, the Company authorized and issued 1,000 shares of Class A Preferred Stock at $10 par    value. Each share of Class A Preferred Stock has one vote for every 3,000 shares of Common    Stock. The Preferred Stock is non-participating with respect to dividends.

Form S-8 also provided for the issuance of 1,667 shares    to the Company’s Corporate Securities Counsel in consideration for continuing    services in connection with the preparation and review of all corporate securities filings    with the Securities and Exchange Commission and such other contracts and agreements    between the Company and third parties as were requested. An expense of $50,000 was charged    to expenses in these financial statements.

The Chief Financial Officer received an additional 500    shares in exchange for services. Compensation of $15,000 has been recorded in these    financial statements as consulting fees.

In March 2000, the Company entered into an agreement    with a consultant and issued 26,667 shares. An expense related to these shares of $800,000    was expensed in these financial statements, valued at the private placement offering.

In March and June 2000, the Company raised an additional    $60,000 in private placement by selling 2,000 shares of common stock.

In June 2000, the Company issued 667 shares to a    consultant in exchange for services rendered. Expenses related to the issuance of these    shares have been accounted for at the private placement offering of $1 per share.

In July 2000, various consultants exercised their    options to purchase a total of 21,513 shares in lieu of compensation. The expenses related    to the exercise of the options have been accounted for at the private placement offering    of $1 per share.

In January 2001, the Company issued 191,350 shares of    common stock to employees and officers as compensation for services rendered. An addition    200,000 shares were issued to a consultant. The stock was valued at $.70 per share.

On February 15, 2001, the Company adopted a 2001 stock    option plan and agreement for employees, officers, directors and consultants for an    aggregate of up to one million shares of the Company’s common stock. In the same    resolution, the Company granted an employee (the loan officer) the options to purchase    100,000 shares of common stock at $.50 per share, 100,000 shares at $1.00, 100,000 shares    at $1.50, and 100,000 shares at $2.00. On February 15, 2001 the employee exercised her    first option and paid the exercise price of $50,000 for 100,000 shares of common stock.    During March, May, and October 2001, the employee bought another 125,000 shares, paid    $87,500, and owes $11,500 as of December 31, 2001. All of the options expire on    February 15, 2002.

In March 2001, the Company purchased 600,000 shares of    common stock from former principal share shareholders, officers and directors for $22,000    and reissued 100,000 shares back to them.

On March 8, 2001, 2,530 shares of common stock were    issued to an employee as compensation for services. In the same month, 50,000 shares were    issued to the wife of a dead director as compensation. The stock was valued at $.70 per    share.

In April 2001, the Company field Form S-8 with the    Securities and Exchange Commission (SEC) to provide 22,000 shares of common stock which    were issued to employees, officers, and directors. The stock was valued at $2.35 per    share.

In May 2001, the Company field Form S-8 with the SEC to    provide 3,200 to employees. The stock was valued at $2.80 per share.

In August 2001, the Company filed Form S-8 with SEC to    provide for 131,900 shares which were issued to the Chief Executive Officer, the Chief    Financial Officer, and consultants and counsel of the company.

In September 2001, the Company field Form S-8 with the    SEC to issue 200,000 shares of common stock to officers and directors. The stock was    valued at $1.80 per share.

On November 2, 2001, the Company issued 50,000 shares to    a consultant for future services that were never provided.

On December 26, 2001, the Company issued 61,000 shares    to officers, directors, and legal counsel of the Company. Each share was valued at $1.00.The accompanying notes are an    integral part of these consolidated financial statements.**Royal Finance,    Inc. and Subsidiary
Notes to    Consolidated Financial Statements**1. Organization:**
The Company was incorporated in the State of Florida on October 22,1998 and changed its name from GONETGEN.COM to Royal Finance, Inc. in October 2000 when itentered into a business combination agreement.

From October 22, 1998 to October 2000 the operations of the Companywere devoted primarily to developing a corporate web site, raising capital, obtainingfinancing, marketing and administrative functions.

From October 2000 the Company operates as a mortgage broker. It is aloan correspondent for closing Federal Housing Agency (FHA) loans and is also licensed asa loan correspondent in the State of Florida.

The Company acquired its wholly owned subsidiary American FloridaRealty, Inc., a Florida corporation, in January 2000 at a price which was $5,844 less thanthe net assets acquired. This difference was applied by reducing the carrying value of theSubsidiary’s property and equipment. The Subsidiary operates as a real estate brokerin the State of Florida.
**2. Significant Accounting Policies:**
Principles of consolidation:****
The accompanying Consolidated Financial Statements include the accountsof the Company and its wholly owned subsidiary. Intercompany transactions have beeneliminated in consolidation.
**Use of estimates:****
The preparation of financial statements in conformity with generallyaccepted accounting principles requires management to make estimates and assumptions thataffect certain reported amounts and disclosures. Accordingly, actual results could differfrom those estimates.
**Cash and Cash Equivalents:****
The Company considers all highly liquid short-term investmentspurchased with a maturity of three months or less to be cash equivalents.
**Property, Equipment and Depreciation:****
Property additions, major renewals and betterments are included in theassets accounts at cost. Maintenance, repairs and minor renewals are charged to earningswhen incurred.

Depreciation is computed using the straight-line method over theestimated useful lives of the assets, which is five years for computer equipment and sevenyears for furniture and fixtures. 
**Fair Value of Financial Instruments:****
The fair value of the Company’s financial instruments, consistingof commissions receivable and accounts payable, approximate their carrying value.
**Long-Lived Assets:****
The Company periodically reviews the values assigned to long-livedassets, such as property and equipment and acquired customer bases, to determine whetherany impairments are other than temporary. Management believes that the long-lived assetsin the accompanying balance sheets are appropriately valued.
**Income Taxes:****
The Company accounts for income taxes under the Financial AccountingStandards Board of Financial Accounting Standard No. 109, "Accounting for IncomeTaxes" ("Statement 109"). Under Statement 109, deferred tax assets andliabilities are recognized for the future tax consequences attributable to differencesbetween the financial statement carrying amounts of existing assets and liabilities andtheir respective tax basis. Deferred tax assets and liabilities are measured using enactedtax rates expected to apply to taxable income in the years in which those temporarydifferences are expected to be recovered or settled. Under Statement 109, the effect ondeferred tax assets and liabilities of a change in tax rates is recognized in income inthe period that includes the enactment date. There were no current or deferred income taxexpense or benefits for the period ending December 31, 2001 and 2000.
**Earnings (loss) per share:****
The Company presents "basic" earnings (loss) per share and,if applicable, "diluted" earnings per share pursuant to the provisions ofStatement of Financial Accounting Standards No. 128, Earnings per Share ("SFAS128"). Basic earnings (loss) per share is calculated by dividing net income or lossby the weighted average number of shares outstanding during each period. The calculationof diluted earnings (loss) per share is similar to that of basic earnings per share,except that the denominator is increased to include the number of additional common sharesthat would have been outstanding if all of the stock options were exercised. Because ofthe net loss, diluted earnings (loss) per share will be the same as basic for the yearending December 31, 2001 and 2000.
**Comprehensive income:****
Statement of Financial Accounting Standards No. 130 "ReportingComprehensive Income," (SFAS 130), requires that total comprehensive income bereported in the financial statements. There were no components of comprehensive income;consequently, no separate statement of comprehensive income has been presented.
**Recent accounting pronouncements:****
In the periods reported, the Company was subject to the provisions ofStatement of Financial Accounting Standards No. 131 ("SFAS 131"),"Disclosures about Segments of an Enterprise and Related Information." Thisstatement had no impact on the Company’s financial statements as the Company’sfinancial statements reflect how the "key operating decisions maker" views thebusiness. The Company will continue to review this statement over time to determine if anyadditional disclosures are necessary based on evolving circumstances.
**3. Business Combination**
Effective October 20, 2000, Royal Finance, Inc., a privately heldentity combined its operations into a publicly held corporation GONETGEN.COM. The businesscombination was accounted for as an equity transaction and not as a merger. The survivingentity changed its name to Royal Finance, Inc.

At the time of the business combination a reverse stockrecapitalization was effectuated and each Stockholder in GONETGEN.COM received one shareof Common Stock for every 30 shares of Common Stock held prior to the businesscombination. The Stockholders in Royal Finance, Inc. prior to the transaction were issuedone share of Common Stock for every two shares held. This amounted to 80% of the Company.

In conjunction with the business combination, the company discontinuedits internet design of web and image sites products and custom software as of October 20,2000. The net assets of the web business were immaterial at the time of discontinuance.The following represents the data on the discontinued operation:
2000Revenues$87,339Loss from Discontinued Operation $1,534,299
Prior period financial statements have been retroactively restated, forthe stock, for the recapitalization and the discontinued operations.

**4. Note Payable -Director**

During the year ended December 31, 2001, the former Chairman of theBoard advanced the Company $11,500. The principal plus accrued interest at the rate of 6%per annum will be repaid with shares of the Company’s common stock at the prevailingmarket price in the year 2002.

**5. Stock Transactions**

In January 2000, the Company authorized and issued 1,000 shares ofClass A Preferred Stock at $10 par value. Each share of Class A Preferred Stock has onevote for every 3,000 shares of Common Stock. The Preferred Stock is non-participating withrespect to dividends.

Form S-8 also provided for the issuance of 1,667 shares to theCompany’s Corporate Securities Counsel in consideration for continuing services inconnection with the preparation and review of all corporate securities filings with theSecurities and Exchange Commission and such other contracts and agreements between theCompany and third parties as were requested. An expense of $50,000 was charged to expensesin these financial statements.

The Chief Financial Officer received an additional 500 shares inexchange for services. Compensation of $15,000 has been recorded in these financialstatements as consulting fees.

In March 2000, the Company entered into an agreement with a consultantand issued 26,667 shares. An expense related to these shares of $800,000 was expensed inthese financial statements, valued at the private placement offering.

In March and June 2000, the Company raised an additional $60,000 inprivate placement by selling 2,000 shares of common stock.

In June 2000, the Company issued 667 shares to a consultant in exchangefor services rendered. Expenses related to the issuance of these shares have beenaccounted for at the private placement offering of $1 per share. These shares werecancelled on November 5, 2001.

In July 2000, various consultants exercised their options to purchase atotal of 21, 513 shares in lieu of compensation. The expenses related to the exercise ofthe options have been accounted for at the private placement offering of $1 per share.

In January 2001, the Company issued 191,350 shares of common stock toemployees and officers as compensation for services rendered. An addition 200,000 shareswere issued to a consultant. The stock was valued at $.70 per share.

On February 15, 2001, the Company adopted a 2001 stock option plan andagreement for employees, officers, directors and consultants for an aggregate of up to onemillion shares of the Company’s common stock. In the same resolution, the Companygranted an employee (the loan officer) the options to purchase 100,000 shares of commonstock at $.50 per share, 100,000 shares at $1.00, 100,000 shares at $1.50, and 100,000shares at $2.00. On February 15, 2001, the employee exercised her first option and paidthe exercise price of $50,000 for 100,000 shares of common stock. During March, May, andOctober 2001, the employee bought another 125,000 shares, paid $87,500, and owes $11,500as of December 31, 2001. All of the options expire on February 15, 2002.

In March 2001, the Company purchased 600,000 shares of common stockfrom former principal shareholders, officers and directors for $22,000 and reissued100,000 shares back to them.

On March 8, 2001, 2,530 shares of common stock were issued to onemployee as compensation for services. In the same month, 50,000 shares were issued to thewife of a dead director as compensation. The stock was valued at $.70 per share.

In April 2001, the Company filed Form S-8 with the Securities andExchange Commission (SEC) to provide 22,000 shares of common stock which were issued toemployees, officers, and directors. The stock was valued at $2.35 per share.

In May 2001, the Company filed Form S-8 with the SEC to provide 3,200to employees. The stock was valued at $2.80 per share.

In August 2001, the Company filed Form S-8 with the SEC to provide for131,900 shares which were issued to the Chief Executive Officer, the Chief FinancialOfficer, and consultants and counsel of the company.

In September 2001, the Company filed Form S-8 with the SEC to issue200,000 shares of common stock to officers and the directors. The stock was valued at$1.80 per share.

On November 2, 2001, the Company issued 50,000 shares to a consultantfor future services that were never provided.

On December 26, 2001, the Company issued 61,000 shares to officers,directors and legal counsel of the Company. Each share was valued at $1.00.
**6. Stock Option Activity
Average per shareOptions granted February 15, 2001
Shares subject to option
Exercise price
Market price
$
$100,000 0.500.88100,000 1.000.88100,000 1.500.88100,000 2.000.88Options exercised
(225,000)0.671.85Balance at Dec. 31, 2001
175,000 
$1.79
$0.92**As presented in Note 5, the Board authorized the above stock options to the loanofficer. Under APB 25, since the fair market value of the common stock is less than thestrike price for the last 300,000 shares, no compensation has been recorded. Under SFAS123, the 100,000 shares option at $.50 results in compensation of $39,000. The options for1,000,000 shares have never been granted with exercise prices and have no value.**7. Income Taxes

At December 31, 2001, the Company has the following net operating losscarryforwards:
 
Financial Statement Basis
Income Tax Basis    
Year of Expiration$2,569,778$2,542,57820144,917,5194,911,84220151,138,180368,9712016$8,625,477$7,823,391
Deferred taxes relating to the tax benefit the Company’s net operating loss wasoffset by a valuation allowance due to the uncertainty of profitable operations in thefuture. Also, as a result of the Company’s change of control, the net operatinglosses which can be utilized each year will be limited under the provisions of Section 382and 383 of the Internal Revenue Code of 1986, as amended.

**8. Fourth Quarter Adjustments**

In aggregate, the fourth quarter adjustments had the following effecton the financial statements.****Increase    (decrease)Current assets(8,412)Total assets(13,707)Current liabilities35,228Total liabilities35,228Common stock and additional paid-in659,974Commission income8,412Expenses700,497Net loss(692,085)Net loss per share(.16)**9. Contingency**
As a loan correspondent with Housing and Urban Development (HUD) the Company isrequired to maintain certain financial ratios, a net worth of $50,000 and liquid assets of20% of net worth. The Company did not achieve these ratios as at December 31, 2001 and2000.

Florida statutes require a mortgage lender/broker to have a net worth of $25,000. As ofDecember 31, 2000, the Company met this requirement, but failed to meet it at December 31,2001. As of the date of this report, the Company was still licensed in Florida but expectsto lose its license at any time.
**10. Lease Commitments**
As of December 31, 2001, the Company was operating out of threeoffices. Two of the offices were closed in 2002. The remaining office’s lease expiresJanuary 31, 2003.

Future minimum lease payments are approximately as follows for yearsended December 31:
2002$41,84220032,131$43,973**11. Going Concern

As shown in the accompanying consolidated financial statements, theCompany has suffered substantial recurring losses, has minimal assets, and has totalliabilities of approximately $81,000 as of December 31, 2001. These factors raisesubstantial doubt about the Company’s ability to continue as a going concern.
**12. Subsequent Event**
On March 4, 2002, the Company filed Schedule 13D with the SEC reporting the purchase of8,000,000 restricted shares by Kykuit Corporation for $.01 per share. Kykuit Corporationis controlled by the Company recently elected directors, who were also appointed as theCompany's new president and secretary.

ITEM 8. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIALDISCLOSURE.

The Company is also filing this Current Report on Form 8-K to report achange in certifying accountants. The Company filed a Form 8-K/A on October 12, 2001pursuant to which it announced that its independent public accountant, Mark Escoffery,P.A., resigned as the Company's accountant. The board of directors on February 26, 2002,engaged Grassano Accounting, P.A., to audit the Company's financial statements for itsfiscal year ended December 31, 2001, which change took place in connection with theCompany's change in control. 

(a)(1) Previous Independent Accountant
(i) The Company's financial    statements for its fiscal years ended December 31, 2000 and 1999 were audited by Mark    Escoffery, P.A., which firm resigned effective October 12, 2001. (ii) The audit reports of Mark    Escoffery, P.A. on the financial statements of the Company for the years ended December    31, 2000 and 1999, dated March 27, 2001 and April 3, 2000, respectively, contained no    adverse opinion or disclaimer of opinion and was not qualified or modified as to audit    scope or accounting principles, but was qualified as to a going concern uncertainty.(iii) The decision to engage    the firm of Grassano Accounting, P.A. for the audit of the Company's financial statements    for its year ended December 31, 2001 was made by the majority of the Company's board of    directors, effective February 25, 2002, as a result of the change in control and the fact    that the Company's prior accountant had resigned. (iv) During the fiscal year    ended December 31, 2000 and through the date of the resignation of Mark Escoffery, P.A.,    the Company has had no disagreements with its former accountant, Mark Escoffery, P.A.,    whether or not resolved, on any matter of accounting principles or practices, financial    statement disclosure, or auditing scope or procedure.(v) The Company was furnished    with a letter from Mark Escoffery, P.A. dated December 11, 2001 stating that it agreed    with the disclosure in the Company's Form 8-K filed on December 13, 2001, as Exhibit 16. 
(a)(2) Engagement of New Independent Accountant.
Effective as of February 26, 2002, Grassano    Accounting, P.A. has been engaged by the Company as its independent accountant to audit    the Company's financial statements for its year ended December 31, 2001.
(a)(3) The Company has provided the formeraccountant with a copy of the disclosures it is making in response to this Item 4 prior tothe filing of this Form 8-K and requested that the former accountant furnish a letteraddressed to the Commission stating whether it agrees with the statements made by theCompany and, if not, the respect in which it does not agree.

**PART III**

ITEM 9. DIRECTORS, EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS

The following sets forth certain information with respect to directorsand executive officers of the Company during fiscal year 2001.
Name
Age
Position with the Company
TermDouglas Meyers45CEO and Director1999-2002(1)Martin P. Bolodian40President, Director1999-2002(2)Lisa Wilde39Secretary, Director1999-2002(3)Leon Wilde41CFO, Director1999-2002(3)(1) Effective February 25, 2002, Douglas    Meyers ceased being an officer of the Company and continued being a director of the    Company. (2) On February 25, 2002,  Martin P. Bolodian resigned as the Company's    president and as a director. (3) Effective February 25, 2002, Leon Wilde resigned as a    director and chief financial officer and Lisa Wilde, his spouse,  resigned as a    director and secretary.
Directors serve for a term of three (3) year or until their successorsare elected and qualified. Executive officers are appointed by and serve at the will ofthe Board of Directors. Each of the officers serves at the discretion of the Board ofDirectors.

Douglas MeyersMr. Meyers has been an Officer and Director of the company since inception. Prior to RoyalFinance becoming a publicly traded company, Mr. Meyers served on the Board of Periotec.Inc., as acting President. Mr. Meyers has been a private Real Estate Investor for morethan 10 years. Mr. Meyers was an owner in a manufacturing mirror company in 1982. Hegraduated from Fairleigh Dickinson University Magna Cum Lauda in 1978.

Martin P. BolodianMr. Bolodian became a Director and President of the company in September 1999. Mr.Bolodian is a licensed mortgage broker with Royal Finance and holds an inactive series 7securities license, From January 1998 to September 1999, Mr. Bolodian was a loan officerat Mortgage Express. From 1985 to 2000 Mr. Bolodian was an Investment Consultant for suchfirms as Sterling Financial Group, Josephthal and Co., Dean Witter and Lehman Brothers, toname a few, where he provided public and private financing to companies. In 1964 Mr.Bolodian graduated from Bentley College, Waltham M.A. with a B.S. in Marketing-Management.Mr. Bolodian was also an Officer in a family-owned jewelry business.

Lisa WildeLisa Wilde has been an Officer and Director since inception. Mrs. Wilde has been alicensed Real Estate Agent since August 1994 and currently is the President of AmericanFlorida Realty. Mrs. Wilde was employed as an Agent for American Investors/ KellerWilliams Realty. Prior to this Mrs. Wilde had worked in the customer relations departmentat MTS Systems Corp. (NY) for eight (8) years. Mrs. Wilde is the wife of Leon Wilde.

Leon P. WildeMr. Wilde became the Chief Financial Officer of the company in October 2000. Mr. Wilde isa Certified Public Accountant, holding certifications in both New York and Florida. He hasoperated his own public accounting firm, Leon P. Wilde, CPA, Inc., in Florida since 1993.From September 1989 to January 1993 he worked as an accounting manager at a Florida publicaccounting firm. Prior to this he worked as a Senior Accountant at a New York publicaccounting firm from June 1984 to August 1989. Mr. Wilde earned a Bachelor of BusinessAdministration degree from Pace University in Pleasantville, New York. Mr. Wilde is thehusband of Secretary Lisa Wilde.

At a special board meeting on February 25, 2002 duly held and called,Thomas J. Craft, Jr. and Richard Rubin were elected to the board of directors by majorityvote of the board of directors. Following the election of Thomas J. Craft, Jr. and RichardRubin to the board of directors of the Company, Lisa Wilde and Leon P. Wilde submittedtheir resignation as directors and officers of the Company. The current board of directorsof the Company consists of Thomas J. Craft, Jr, Chairman, Richard Rubin and DouglasMeyers.

Thomas J. Craft, Jr.Mr. Craft is an attorney practicing law under the laws of the State of Florida. Mr. Craftis the president, a director, corporate counsel and a principal shareholder of CR CapitalServices, Inc., with offices in New York and West Palm Beach, Florida, and is engaged inthe business of providing corporate securities compliance services to public companies andentities seeking to become public reporting companies under the Exchange Act. Mr. Craftfrom 1996 through 2001, served as the corporate secretary and a director of AmericanDiversified Group, Inc., a public company with headquarters in Hickory, NC since March1996. From July 1994 to December 1997, Mr. Craft was also secretary and a director ofPhoenix International Industries, Inc., a development stage public company located in WestPalm Beach, FL. During the past five years Mr. Craft has also been engaged in the privatepractice of law in West Palm Beach, FL. In addition, in August 2000, Mr. Craft organized and became president and a director of Fifth Avenue Acquisition I Corp.and continues to be president and a director of Fifth Avenue Acquisition II Corp., both ofwhich were formed to become reporting non-operating companies under the Exchange Act, forthe purpose of entering into a business combination with an operating entity. In July2001, Fifth Avenue Acquisition I Corp. entered into a merger agreement with PlanetLinkCommunications, Inc., which is engaged in the business of providing internationaltelecommunications and satellite television services, and Mr. Craft resigned as an officerand director. Mr. Craft is also president, a director and principal shareholder of KykuitCoproration, a Florida corporation, that is a principal shareholder of the Company.Reference is made to the Schedule 13D filed by Kykuit in March 2002 reporting itsacquisition of control of the Company.

Richard RubinRichard Rubin is a nominee to the Company's board of directors. During the past fiveyears, Mr. Rubin has been engaged in the business of providing corporate securitiesconsulting services to public companies. Mr. Rubin also serves as corporate secretary, adirector and a principal shareholder of CR Capital Services, Inc. Mr. Rubin is alsosecretary, a director and a control shareholder of Kykuit Corporation. In addition,in  August 2000, Mr. Rubin  became secretary and a director of Fifth AvenueAcquisition I Corp. and continues to be secretary and a director of Fifth AvenueAcquisition II Corp., both of which became reporting non-operating companies under theExchange Act. Fifth Avenue Acquisition I Corp. entered into a merger agreement in July2001 pursuant to which it became an operating entity, with new officers, directors andprincipal shareholders with the resignation by Mr. Rubin  as an officer and director.Mr. Rubin is also secretary, a director and principal shareholder of Kykuit Coproration. 

ITEM 10. EXECUTIVE COMPENSATION

The following table sets forth compensation paid by the company to theChief Executive Officer and the most highly compensated Executive Officers and keyemployees, whose total remuneration exceeded $100,000 for services rendered in allcapacities to the company during the 1999 completed fiscal year, the only period since itsinception in which any compensation was paid.
          
Long Term Compensation        
Annual Compensation
Awards
Payouts  
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
(i)
Name and Principal    Position
Year
Salary
Bonus 
Other Annual    Compensation
Restricted Stock    Award(1) 
Securities Underlying    Options/SAR 
LTIP Payouts 
All other compensation      
($)($)($)($)(#)($)($)
Douglas Meyers, C.E.O,    Chairman2001
004,000(2)031,000(1)00
Douglas Meyers, C.E.O,    Chairman2000
001,000,000(2)050,000(1)00
Martin P. Bolodian,    President, Director2001
004,000(2)024,000(1)00
Martin P. Bolodian,    President, Director2000
00200,000050,000(1)00
Eric Anderson,    Vice-President2001
004,000(2)06,500(1)00
Eric Anderson,    Vice-President2000
000050,000(1)00
Lisa Wilde, Secretary,    Director
2001
004,000(2)024,000(1)00
Lisa Wilde, Secretary,    Director
2000
00200,000(2)050,000(1)00
Leon P. Wilde CFO,    Director
2001
002,000(2)022,000(1)00
Leon P. Wilde CFO,    Director
2000
00100,000050,000(1)00(1) The Options were granted for    services rendered at exercise prices ranging from $1.00 to $2.17 and expire in September    2003. (2) The Company issued these restricted shares as non-cash compensation for services    as officer and/or directors of the Company.
ITEM 11. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

The following table sets forth information, as of March 31, 2002, withrespect to the number of shares beneficially owned by individual directors, by alldirectors and officers of the Company as a group, and by persons known to own more than 5%of the Company's shares.
Name and Address of Beneficial Owner
Number of Shares Held(1)
PercentageMartin    P. Bolodian, 1481 S Military Trail #14, West Palm Beach, FL 33415, Former officer and    director250,0001.96%Eric    Anderson, 1481 S Military Trail # 14, West Palm Beach F1 33415, Former officer and    director4,0000.00%Lisa    and Leon Wilde, 1481 S Military Trail # 14, West Palm Beach Fl 33415, Former officer and    director400,0003.13%Douglas    Meyers, 1481 S Military Trail # 14, West Palm Beach Fl 33415, Former officer and director1,061,8348.32%Sherry    Muller, 1481 S Military Trail # 14, West Palm Beach Fl 33415954,9007.48%Kykuit    Corporation, 730 Fifth Avenue, 9th Floor, New York,  NY 10019(2)8,000,00062.67%All    Executive Officers, Directors (3) as a Group7,461,83458.46%(1) Based upon 12,764,358 shares issued and outstanding as of March 31, 2002.(2) Thomas J. Craft, Jr. and Richard Rubin are the beneficial    owner of 80% of Kykuit Corporation.
(B) Compliance with Section 16(a) of the Exchange Act

Section 16(a) of the Securities Exchange Act of 1934 requires that theCompany's officers and directors, and persons who own more that ten percent of aregistered class of the Company's equity securities, to file reports of ownership andchanges in ownership with the Securities and Exchange Commission and with any exchange onwhich the Company's securities are traded. Officers, directors and persons owning morethan ten percent of such securities are required by Commission regulation to file with theCommission and furnish the Company with copies of all reports required under Section 16(a)of the Exchange Act. Based solely upon its review of the copies of such reports receivedfrom officers, directors and greater than ten percent shareholders, the Company reportsthe following failures to file reports under Section 16(a) of the Exchange Act:
Name and Address of Beneficial Owner
Forms FiledMartin    P. Bolodian, 1481 S Military Trail #14, West Palm Beach, FL 33415Forms 3 and 5, not filedEric    Anderson, 1481 S Military Trail # 14, West Palm Beach F1 33415Forms 3 and 5, not filedLisa    Wilde, 1481 S Military Trail # 14, West Palm Beach Fl 33415Forms 3 and 5, not filedLeon    Wilde, 1481 S Military Trail # 14, West Palm Beach Fl 33415Forms 3 and 5, not filedDouglas    Meyers, 1481 S Military Trail # 14, West Palm Beach Fl 33415Forms 3 and 5, not filedThomas    J. Craft, Jr., 301 Clematis Street, Suite 3000, West Palm Beach, FL 33401Forms 3Richard    Rubin, 730 Fifth Avenue, 9th Floor, New York, NY 10019Forms 3Kykuit Corporation, 730 Fifth Avenue, 9th Floor, New York,  NY 10019Forms 3    and Schedule 13D
 

ITEM 12. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

See the discussion under Items 10 and 11 above with respect to theissuance of shares

 

PART III

ITEM 13. EXHIBITS AND REPORTS ON FORM 8-K

(a) Exhibits
Exhibit No.Description3(i)Articles of Incorporation (filed as an exhibit    to Form 10-SB/12g on June 9, 1999)3(i)Articles of Amendment to Articles of    Incorporation (filed as an exhibit to Form 10-SB/12g on June 9, 1999)3(ii)By-laws (filed as an exhibit to Form 10-SB/12g    on June 9, 1999)4.1 Royal finance Inc., Employee Stock Option Plan    2001 filed as an exhibit to Form S-8 on March 5, 2001, File No. 0-26307
(b) Reports on Form 8-KDuring the year ended December 31, 2001, the Company filed a report on Form 8-K onNovember 14 announcing that Mark Escoffery, P.A. resigned as the Company'saccountant so that Company could engage the services of another accountant. There were nodisagreements between the Company and the former accountant on any matter of accountingprinciples or practices, financial statement disclosure, or auditing scope or procedure,which disagreement if not resolved to the satisfaction of the former accountant would havecaused him to make reference in connection with his report to the subject matter of thedisagreements. 

SIGNATURES

In accordance with Section 12 of the Securities Exchange Act of 1934,the registrant has duly caused this Registration Statement to be signed on its behalf bythe undersigned, thereunto duly authorized.

Royal Finance Inc., a Florida Corporation

Date: April 15, 2002

/s/ Thomas J. Craft, Jr., CEO and President

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