Exhibit 10.8

                                 PROMISSORY NOTE

         $100,000.00             December 20, 2004             February 18, 2004
         Amount of Note            Date of Note                     Due Date

         UNITED LENDING PARTNERS, LP, a Texas limited partnership, the
undersigned, hereinafter called "Maker", promises to pay to First Plus Financial
("Lender"), or order, payable at 5100 N. O'Connor Blvd., 6d' Floor Irving, Texas
75039, or such other place specified by Lender in writing, One Hundred Thousand
Dollars, with interest thereon at the rate of 15.0% percent per annum from the
date hereof until paid, payable as follow:

         1) Term of Note is for sixty days (60).

         Maker has Pledged, assigned or granted to Lender as collateral for
payment of this liability (hereinafter called "Note"), the following:

         Repayment of this debt will be from those loans identified on Exhibit
A, scheduled to close and fund.

                           (See Attached Exhibit "A")

         Upon the happening of any of the following events, each of which shall
constitute a default hereunder, the Note of the Maker to Lender shall become
immediately due and payable at the option of Lender: (1) failure of the Maker
(which shall include each maker, surety and guarantor of this note) to perform
any agreement hereunder or pay any obligation secured hereby when due; (2)
filing of any petition in bankruptcy by or against any Maker; (3) application
for appointment of a receiver for, making of a general assignment for the
benefit of creditors by, or insolvency of the Maker, or (4) an Event of Default
under any Security Agreement executed in connection herewith.
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         Upon occurrence of any such event or at any time thereafter, Lender
shall have the remedies of a secured party under Uniform Commercial Code of
Texas or real estate laws, as applicable to the security.

         The Maker waives protest of this note. If this note is not paid when
due, Maker agrees to pay all costs and expenses of collection, including
reasonable attorneys' fees and legal expenses, all of which are secured by the
Collateral. Any demand upon or notice to Maker shall be sufficiently served for
all purposes if personally delivered or placed in the mail addressed to the
address shown above or such other address as may be shown on Lender's records.

         PRESENTMENT for payment, demand, notice of dishonor, protest, notice of
protest and any homestead or personal property exemption allowed by the
constitutions or laws of any state are hereby waived by the undersigned. Failure
by the holder hereof to exercise any option granted it hereunder shall not
constitute a waiver of future rights. The term "undersigned" as used herein
shall include all makers, co-makers, endorsers, sureties and guarantors hereof.

         THERE will be no pre-payment penalty on this Note.

         IF DEFAULT is made in the payment specified herein, or any part
thereof, and such default shall continue for a period of 10 days, then the
holder hereof may, at its option, declare the whole sum then remaining unpaid
immediately due and payable.

                                    Maker:  UNITED LENDING PARTNERS, LP

                                    /s/ Frederick Johansen
                                    ---------------------------
                                    United Lending Partners, LP
                                    By:  Frederick Johansen
                                    Its:  President and CEO