Exhibit 4.1(n)

                               FIFTH AMENDMENT TO
                                CREDIT AGREEMENT


     This Fifth Amendment to Credit Agreement, dated as of August 27, 2003 (this
"Agreement"),  is among WICKES INC., a Delaware  corporation  ("Borrower"),  the
persons set forth on the signature pages hereto who are designated as "Lenders",
and MERRILL  LYNCH  CAPITAL,  A DIVISION  OF MERRILL  LYNCH  BUSINESS  FINANCIAL
SERVICES INC., for itself as Lender and as Agent for each other Lender.

                                   WITNESSETH:

     WHEREAS,  Borrower,  Agent and Lenders are parties to that  certain  Credit
Agreement  dated as of February  26, 2003 (as  heretofore  amended,  the "Credit
Agreement";   capitalized   terms  not  otherwise   defined  herein  having  the
definitions provided therefore in the Credit Agreement);

     WHEREAS,  Borrower,  Agent and  Lenders  have  agreed  to amend the  Credit
Agreement in certain respects; and

     NOW,  THEREFORE,  in  consideration  of the  premises  and  other  good and
valuable  consideration,  the  receipt  and  sufficiency  of  which  are  hereby
acknowledged, Agent, Lenders and Borrower hereby agree as follows:

     1. Amendments to the Credit  Agreement.  Subject to the satisfaction of the
conditions  set forth in  Paragraph  3 below,  the  Credit  Agreement  is hereby
amended as follows:

     (a) The defined term  "Availability  Block" contained in Section 1.1 of the
Credit Agreement is hereby amended and restated in its entirety as follows:

     "Availability Block" means an amount equal to $15,000,000.

     (b)  The  defined   terms   "Availability   Block   Adjustment   Date"  and
"Availability  Block Table" contained in Section 1.1 of the Credit Agreement are
each hereby deleted.

     (c) The final  sentence of  subsection  6.1(d) of the Credit  Agreement  is
hereby amended and restated in its entirety as follows:

     "Agent and Lenders agree that notwithstanding  anything contained herein to
the  contrary,   Borrower  shall  have  until  September  30,  2003  to  deliver
appropriate  Deposit  Account  Control  Agreements  with respect to each Deposit
Account maintained by Borrower."

     (d) Section  12.5(v) of the Credit  Agreement is hereby amended by deleting
therefrom the terms "Availability Block Adjustment Date" and "Availability Block
Table".

     (e) Exhibit B to the Credit Agreement  (Compliance  Certificate) is amended
and restated in the form of Exhibit B attached hereto.

     2. Conditions.  The  effectiveness of the waivers and the amendments stated
     -------------
in  this  Agreement  are  subject  to  the  following  conditions  precedent  or
concurrent,  each of which  must be  satisfied  no later  than the date  hereof,
failing which this Agreement shall be null and void:

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     (a) No Default.  No Default or Event of Default under the Credit Agreement,
         ----------
as amended hereby, shall have occurred and be continuing.

     (b) Warranties and  Representations.  The warranties and representations of
         --------------------------------
Borrower contained in this Agreement,  the Credit Agreement,  as amended hereby,
and the Financing Documents,  shall be true and correct in all material respects
as of the date hereof,  with the same effect as though made on such date, except
to the extent that such warranties and  representations  expressly  relate to an
earlier date, in which case such  representations and warranties shall have been
true and correct in all  material  respects as of such  earlier  date.  Borrower
hereby  represents  and warrants  that,  as of the date  hereof,  (i) all of the
representations and warranties referred to in the immediately preceding sentence
are true and correct in all material respects as of the date hereof, and (ii) no
Default or Event of Default has occurred and is continuing.

     3. Additional Agreements.
        ----------------------

     (a)  Borrower,  Agent and  Lenders  hereby  agree  that if EBITDA for the 3
fiscal months  ending  September 27, 2003 is equal to or greater than the amount
set forth below for such period,  effective  immediately  each Prime Rate Margin
and LIBOR Margin  percentage  contained in the Pricing Table will decrease by 25
basis points,  provided that, after any such decrease the first time that EBITDA
for any  subsequent  period  sel:  forth below is less than the amount set forth
below for such period,  effective  immediately  each Prime Rate Margin and LIBOR
Margin  percentage  contained  in the  Pricing  Table will  increase by 25 basis
points:

                          Period                                Amount
                          ------                                ------

      3 fiscal months ending September 27, 2003               $1,500,000

      4 fiscal months ending November 1, 2003                 $2,200,000

      5 fiscal months ending November 29, 2003                $2,200,000

      6 fiscal months ending December 27, 2003                $2,000,000





     4. Miscellaneous.
        -------------

     (a) Captions.  Section  captions used in this Agreement are for convenience
         ---------
only, and shall not affect the construction of this Agreement.

     (b)  Governing  Law.  This  Agreement  shall be a  contract  made under and
          ---------------
governed  by the laws of the State of  Illinois,  without  regard to conflict of
laws  principles.  Whenever  possible each provision of this Agreement  shall be
interpreted  in such manner as to be effective and valid under  applicable  law,
but if any provision of this  Agreement  shall be prohibited by or invalid under
such law, such provision shall be ineffective to the extent of such  prohibition
or  invalidity,  without  invalidating  the  remainder of such  provision or the
remaining provisions of this Agreement.

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     (c)  Counterparts.  This  Agreement  may  be  executed  in  any  number  of
          ------------
counterparts  and by the different  parties on separate  counterparts,  and each
such counterpart  shall be deemed to be an original,  but all such  counterparts
shall together constitute but one and the same Agreement.

     (d) Successors and Assigns.  This Agreement shall be binding upon and shall
         ----------------------
inure to the sole  benefit of Borrower,  Agent and Lenders and their  respective
successors and assigns.

     (e)  References.  Any  reference to the Credit  Agreement  contained in any
          ----------
notice,  request,  certificate,  or other document executed concurrently with or
after the  execution and delivery of this  Agreement  shall be deemed to include
this Agreement unless the context shall otherwise require.

     (f) Release.  Without limiting the Credit Agreement and the other Financing
         --------
Documents,  Borrower hereby waives any defenses to the enforcement of the Credit
Agreement and of the other Financing  Documents,  and hereby releases any claims
or causes of action  against Agent and each Lender which may now or hereafter be
available  to Borrower  arising out of:  (i') the  administration  of the Credit
Agreement,  the other Financing  Documents or the Obligations  prior to the date
hereof  or  as  a  result  of  taking  actions  permitted  hereunder;  (ii)  the
negotiation and execution of this  Agreement;  or (iii) any other matter arising
prior to the date  hereof  and  pertaining  to the Credit  Agreement,  the other
Financing Documents or the Obligations.

     (g) Continued Effectiveness. Notwithstanding anything contained herein, the
         -----------------------
terms  of this  Agreement  are not  intended  to and do not  serve  to  effect a
novation as to the Credit Agreement.  The parties hereto expressly do not intend
to extinguish the Credit Agreement. Instead, ii: is the express intention of the
parties hereto to reaffirm the  indebtedness  created under the Credit Agreement
which is  evidenced  by the Notes and  secured  by the  Collateral.  The  Credit
Agreement as amended hereby and each of the Financing  Documents  remain in full
force and effect.


     (h) Construction. Borrower acknowledges that it has been represented by its
         ------------
own legal counsel in connection with the Financing Documents and this Agreement,
that  it has  exercised  independent  judgment  with  respect  to the  Financing
Documents  and this  Agreement,  and that it has not relied on the Agent's or on
Lenders' counsel for any advice with respect to the Financing  Documents or this
Agreement.


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     Delivered at Chicago, Illinois, as of the day and year first above written.

                       WICKES INC.


                       By _____________________________________________
                       Name:___________________________________________
                       Title:__________________________________________


                       MERRILL LYNCH CAPITAL, a division of
                       Merrill Lynch Business Financial Services Inc.,
                       as Agent, Collateral Agent, Book Manager,
                       Lead Arranger and a Lender

                       By:_____________________________________________
                       Name:___________________________________________
                       Title:__________________________________________


                       CONGRESS FINANCIAL CORPORATION
                       (CENTRAL), as a Lender

                       By:______________________________________________
                       Name:____________________________________________
                       Title:___________________________________________


                       THE CIT GROUP/BUSINESS CREDIT, INC., as a
                       Lender

                       By:_____________________________________________
                       Name:___________________________________________
                       Title:__________________________________________


                       COMERICA BANK, as a Lender

                       By:_____________________________________________
                       Name:___________________________________________
                       Title:__________________________________________



                       LASALLE BUSINESS CREDIT LLC, as a Lender


                       By:______________________________________________
                       Name:     Mitchell Tarvid
                       Title:    Vice President