Exhibit 10.5

                                 NINTH AMENDMENT

      THIS NINTH AMENDMENT ("Agreement") is dated as of November 28, 2003
between Fleet Capital Corporation ("Lender") and Willey Brothers, Inc.,
("Borrower") and BrandPartners Group, Inc. ("Guarantor") (Borrower and Guarantor
are at times referred to herein as "Obligor").

                                    RECITALS

      WHEREAS, Borrower is engaged in the business of providing fixture sales,
creative services, branch planning and development to the financial services
industry, and related businesses;

      WHEREAS, Guarantor owns all or substantially all of the stock of Borrower,
and would directly benefit and gain from any accommodation made by Lender to
Borrower;

      WHEREAS, Lender has extended certain credit facilities to Borrower
including pursuant to that certain Loan and Security Agreement dated January 11,
2001 (the "Loan Agreement"), including as amended by that certain Amendment and
Waiver dated May 21, 2001 (the "First Amendment"), that certain Second Amendment
and Waiver Agreement dated October 22, 2001 (the "Second Amendment"), that
certain Third Amendment and Waiver Agreement dated March 29, 2002 (the "Third
Amendment"), that certain Fourth Amendment dated as of September 25, 2002 (the
"Fourth Amendment"), that certain Fifth Amendment dated as of December 20, 2002
(as amended by that certain letter agreement dated February 12, 2003, the "Fifth
Amendment") that certain Sixth Amendment dated as of March 18, 2003 (the "Sixth
Amendment") that certain Seventh Amendment dated as of August 21, 2003 (the
"Seventh Amendment"), and that certain Eighth Amendment dated as of September
29, 2003 (the "Eighth Amendment") and as collateral security therefor, Borrower
has granted to Lender liens on and security interests in all or substantially
all of its real and personal property (collectively, the "Collateral");

      WHEREAS, Guarantor has unconditionally and fully guarantied the full
payment and performance of all Borrower's obligations to Lender;

      WHEREAS, Borrower has requested that the Lender amend the Loan Agreement
in certain respects as specified herein, and Guarantor has joined in Borrower's
request; and

      WHEREAS, Lender is willing to amend certain provisions of the Loan
Agreement, but only on the terms and conditions set forth in this Agreement;

      NOW, THEREFORE, based on these premises, and in consideration of the
mutual promises contained herein and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, Borrower, Guarantor
and Lender hereby agree as follows:

      1. Accuracy of Recitals. Borrower and Guarantor acknowledge and agree that
the foregoing Recitals are true and accurate.

      2. Definitions. Capitalized terms not otherwise defined herein shall be as
defined in the Loan Agreement.

      3. Acknowledgement of Obligations.

            3.1 By Borrower. Borrower hereby acknowledges that it is
unconditionally liable to Lender for the full payment of each of the obligations
set forth at Schedule A hereto and incorporated herein by reference, plus all
charges that may arise under the various documents executed or delivered by
Borrower evidencing or relating to such obligations including, without
limitation, the Loan Agreement, as amended by the First Amendment, the Second
Amendment, the Third Amendment, the Fourth Amendment, the Fifth Amendment, the
Sixth Amendment, the

<PAGE>

Seventh Amendment, and the Eighth Amendment (collectively, the "Financing
Documents"), plus all attorneys' fees and costs of collection incurred in
connection with such obligations by Lender (hereinafter all such obligations are
referred to as the "Obligations"), and that, as of the date hereof, Borrower has
no defenses, counterclaims or set-offs with respect to the full and immediate
payment of any or all Obligations.

            3.2 By Guarantor. Guarantor hereby acknowledges that it is
unconditionally liable to Lender for the full payment of all Obligations, and
that, as of the date hereof, Guarantor has no defenses, counterclaims or
set-offs with respect to full and immediate payment of any or all obligations.

      4. Revolving Credit Loans. Lender agrees to continue to make Revolving
Credit Loans up to but not to exceed $6,000,000 subject to the terms and
conditions of the Loan Agreement, as amended, which sum shall be permanently
reduced to $2,000,000 on January 2, 2004 in accordance with Section 6 of this
Amendment.

      5. Payment in Full of Term Loan. Notwithstanding anything contained in the
Loan Agreement to the contrary, commencing on October 6, 2003 and continuing on
each Monday thereafter through and including January 2, 2004, Borrower shall pay
$46,000 to Lender in immediately available funds as a mandatory prepayment and
permanent reduction of the Term Loan. Any sum outstanding on the Term Loan will
be paid in full on January 2, 2004. All amounts paid by Borrower to Lender in
accordance with this Section and Section 9(c) below may not be re-borrowed.

      6. Division of Existing Revolving Credit Loan. On January 2, 2004, the
$6,000,000 Revolving Credit Loan shall be divided into a $2,000,000 Revolving
Credit Loan and a $4,000,000 New Term Loan. The Revolving Credit Loan will be
payable in accordance with the terms of the Loan Agreement for the Revolving
Credit Loan but is amended in respect of the interest rate which shall apply to
it. The non-default rate of interest for the Revolving Credit Loan shall from
January 2, 2004 until it is paid in full shall be Base Rate plus 1.75%. Interest
payments for the New Term Loan shall be payable monthly from February 1, 2004 at
the Base Rate plus 1.75%.

      7. Principal Payments of New Term Loan.

      7.1 Commencing on March 1, 2004 ("Principal Payment Commencement Date")
      and continuing on the first Monday of each month thereafter through and
      including the Termination Date, Borrower shall make payments of $70,000 to
      Lender in immediately available funds, which funds shall be applied to the
      principal sum outstanding on the New Term Loan. The New Term Loan must be
      paid in full on or before the Termination Date.

      7.2 Should EBITDA for the six months ending June 30, 2004 be less than
      $500,000, then effective from July 1, 2004, Borrower shall pay an
      additional monthly payment of $15,000 to Lender on the first Monday of
      each month in immediately available funds, which funds shall be applied to
      the principal sum outstanding on the New Term Loan. If no report is
      delivered to Lender which reports EBITDA for the six months ending June
      30, 2004 by August 15, 2004, then the additional $15,000 payment to Lender
      shall be due and payable as if EBITDA was reported to be less than
      $500,000.

      8. Amendment Fee. Borrower acknowledges that, pursuant to the Seventh
Amendment Borrower remains liable to the Lender for the outstanding balance of
the fully earned amendment fee in the amount of $580,000 (the "Amendment Fee").
Such Amendment Fee shall be payable by Borrower to Lender on December 31, 2004.

      9. Amendment to Loan Agreement.

<PAGE>

      9.1. There shall be added a Section 1.2.2. of the Loan Agreement as
follows:


      "New Term Loan. The Term Loan shall be paid in full on or before January
      2, 2004 and thereafter $4,000,000 of the then existing $6,000,000
      Revolving Loan shall be reclassified as new term loan (the "New Term
      Loan").

            9.2. Section 2.1.1 is amended by eliminating the LIBOR option.
      Section 3.1.1 is amended to eliminate references to LIBOR. Sections 3.1.4,
      3.1.5, 3.1.6, and 3.1.7 are eliminated in their entirety.

            9.3.Section 2.1.2 is amended by changing the default rate from 2% to
      5% above the interest rate otherwise applicable.

            9.4.Section 4.1 of the Loan Agreement is deleted in its entirety and
      replaced with the following:

            "Term of Agreement. Subject to Lender's right to cease making Loans
            to Borrower upon or after the occurrence of any Default or Event of
            Default, this Agreement shall be in effect through and including
            December 31, 2004 (the "Original Term") or unless terminated as
            provided in Section 4.2 hereof (such final date being the
            "Termination Date").

      9.5. Section 8.3 is deleted in its entirety.

      10. Covenants. Notwithstanding anything to the contrary contained in the
Loan Agreement or the Financing Documents, from and after the date hereof,
Borrower covenants that:

            10.1 Minimum Availability. Borrower, from November 28, 2003 through
      January 2, 2004, shall maintain availability of not less than $300,000.
      "Availability" shall for that period mean $6,000,000 minus (a) the amount
      of outstanding Revolving Credit Loans and (b) Reserves (as defined and
      determined pursuant to Section 1.1.1 of the Loan Agreement). After January
      2, 2004, borrower shall be allowed to borrow up to $2,000,000 minus any
      outstanding commitment under the $137,000 Fleet Credit Card Line to
      Borrower ("New Availability").

            10.2 Subordinated Debt Payments. From and after the date hereof, and
      until payment in full of the Term Note, the Obligor agrees that the
      Obligor shall not make any payments of principal and/or interest on
      account of the Seller Notes, the Earn-Out (as defined in the Purchase
      Documents), the Subordinated Notes and/or Management Fees. After the Term
      Note is paid in full, Obligor may make interest payments to the
      Subordinated Notes, but not on account of the Seller Notes, the Earn-Out
      (as defined in the Purchase Documents), and/or Management Fees until all
      Obligations to Lender are paid in full. Notwithstanding anything to the
      contrary contained herein, nothing shall prohibit Guarantor from making
      payments on account of the Seller Notes from funds infused as equity to
      Guarantor.

            10.3 Overadvances. From and after the date hereof, Borrower shall
      not request and the Lender shall have no obligation to make any
      Overadvance and Borrower shall not permit any Overadvance to be
      outstanding. Failure to comply with the foregoing shall constitute an
      Event of Default under this Agreement and the Financing Documents without
      any notice or grace whatsoever.

            10.4 Field Exam. Notwithstanding anything in the Loan Agreement to
      the contrary, the Borrower and the Guarantor each hereby agrees that it
      shall cooperate with,

<PAGE>

      and shall cause its respective Subsidiaries and Affiliates to cooperate
      with, the Lender and its retained professionals, if any, in connection
      with conducting a field exam of any and all Property held or owned by the
      Borrower and the Guarantor or in which the Borrower or Guarantor may have
      an interest. In addition, the Borrower and Guarantor hereby agrees that
      the Lender and its retained professionals, if any, may visit, inspect and
      audit such Property, make extracts from any books and records or discuss
      with Borrower's and Guarantor's officers, employees and independent
      accountants, the business, assets, liabilities, financial condition,
      business prospects and results of operations of the Borrower and
      Guarantor.

            10.5 Financial Reporting. The Borrower hereby agrees to deliver to
      the Lender, on or before Wednesday of each week, beginning on Wednesday,
      October 1, 2003, (a) a thirteen week rolling cash flow forecast in respect
      of the Borrower, which shall detail all sources and uses of cash on a
      weekly basis and (b) a detailed reconciliation analysis of actual results
      compared to projected results for the prior month delivered monthly;

            10.6 Financial Projections. Borrower will deliver to Lender detailed
      updated financial projections for calendar year 2004 which shall include,
      but not be limited to, a balance sheet, income statement, and statement of
      cash flows on a monthly and quarterly basis, delivered to the Lender on or
      before the March 30, 2004, June 30, 2004, and September 30, 2004.

      11. Conditions Precedent. Lender's obligation to enter into this Agreement
and perform its obligations hereunder is subject to the condition precedent that
the Lender shall have received the following documents and other items,
satisfactory to Lender, duly executed where appropriate by authorized
representatives of Borrower (notwithstanding the foregoing, Lender immediately
shall be entitled and shall continue to be entitled to any and all benefits of
this Agreement):

            (a)   this Agreement; and

            (b)   evidence that the execution, delivery and performance of this
                  Agreement by Borrower has been duly authorized by all
                  necessary corporate action.

      12. Covenants, Representations and Warranties. Obligor hereby makes the
following covenants, representations and warranties:

            12.1 Authority. Obligor is duly organized, validly existing, and in
      good standing under the laws of the jurisdiction of its incorporation and
      in each jurisdiction where Obligor is required to be qualified to do
      business. Obligor is duly authorized to enter into, and perform its
      obligations under, this Agreement and the agreements, instruments and
      documents contemplated hereby. The execution, delivery and performance by
      Obligor of this Agreement will not violate Obligor's charter or bylaws,
      any law or any provision of, nor are there any grounds for acceleration
      under, any agreement, note, or instrument which is binding upon Obligor.

            12.2 No Misrepresentations. Without limiting any rights or remedies
      Lender may have under law or in equity, Obligor agrees that all statements
      and information provided by Obligor to Lender pursuant to, or in
      connection with, this Agreement or the negotiations leading to this
      Agreement, have been and are true, complete and correct in all material
      respects, and none of the same contain any omissions of any fact or matter
      necessary to keep the statements and information therein from being
      misleading.

            12.3 Indemnity. Without limiting any rights or remedies Lender may
      have under law or in equity, Obligor agrees to indemnify and hold Lender
      harmless from and against any and all losses, debts, damages, liabilities,
      claims, demands, actions, causes

<PAGE>

      of action, lawsuits, penalties, judgments, costs and expenses (including,
      without limitation, attorneys' fees of counsel of Lender's choice), of
      every nature and description, which Lender may sustain or incur, based
      upon, arising out of, or in any way relating to this Agreement and / or
      any of the other Financing Documents.

      13. Release of Claims

            1.3.1 By Borrower. Borrower hereby releases, waives and forever
      relinquishes all claims, demands, obligations, liabilities and causes of
      action of whatever kind or nature, whether known or unknown, which it has,
      may have, or might assert now or in the future against Lender and/or its
      participants, officers, directors, employees, agents, attorneys,
      accountants, consultants, successors and assigns, directly or indirectly,
      arising out of, based upon, or in any manner connected with (i) any
      transaction, event, circumstance, action, failure to act or occurrence of
      any sort or type, whether known or unknown, prior to the execution of this
      Agreement with respect to the Obligations, the Financing Documents and/or
      the administration thereof or the obligations created thereby; (ii) any
      discussions, commitments, negotiations, conversations or communications
      with respect to the refinancing, restructuring or collection of any
      Obligations prior to the execution of this Agreement; or (iii) any thing
      or matter related to any of the foregoing. The inclusion of this paragraph
      in this Agreement, and the execution of this Agreement by Lender, does not
      constitute an acknowledgment or admission by any Lender of liability for
      any matter, or a precedent upon which liability may be asserted.

            13.2 By Guarantor. Guarantor hereby releases, waives and forever
      relinquishes all claims, demands, obligations, liabilities and causes of
      action of whatever kind or nature, whether known or unknown, which it has,
      may have, or might assert now or in the future against Lender and/or its
      participants, officers, directors, employees, agents, attorneys,
      accountants, consultants, successors and assigns, directly or indirectly,
      arising out of, based upon, or in any manner connected with (i) any
      transaction, event, circumstance, action, failure to act or occurrence of
      any sort or type, whether known or unknown, prior to the execution of this
      Agreement with respect to the Obligations, the Financing Documents and/or
      the administration thereof or the obligations created thereby; (ii) any
      discussions, commitments, negotiations, conversations or communications
      with respect to the refinancing, restructuring or collection of any
      obligations prior to the execution of this Agreement; or (iii) any thing
      or matter related to any of the foregoing. The inclusion of this paragraph
      in this Agreement, and the execution of this Agreement by Lender, does not
      constitute an acknowledgement or admission by any Lender of liability for
      any matter, or a precedent upon which liability may be asserted.

      14.1. General Provisions.

            14.1 Integration; Amendment; Waivers. This Agreement and the
      Financing Documents set forth in full all of the terms of the agreement
      between the parties and are intended as the full, complete and exclusive
      contract governing the relationship between the parties, superseding all
      other discussions, promises, representations, warranties, agreements and
      the understandings between the parties with respect thereto. Borrower
      agrees that the failure of any Obligor in the performance of any terms or
      conditions of this Agreement shall constitute an Event of Default under
      the Financing Documents (with no notice or grace whatsoever,
      notwithstanding anything to the contrary in the Financing Documents).
      Obligor acknowledges and agrees that each and every Event of Default shall
      be of equal weight and significance, and equally and fully shall allow
      Lender to exercise its rights and remedies hereunder. Obligor acknowledges
      and agrees that each such Event of Default has been a material inducement
      for Lender to enter into this Agreement and that Lender would be
      irreparably harmed if Lender, in any way, were unable to exercise its
      rights and remedies on the basis that certain Events of Default (for
      example, Events of Default not relating to payment) were of less weight or
      significance than certain other Events of Default (for example, Events of
      Default relating to payment). No term of this Agreement or the

<PAGE>

      Financing Documents may be modified or amended, nor may any rights
      thereunder be waived, except in a writing signed by the party against whom
      enforcement of the modification, amendment or waiver is sought. Any waiver
      of any condition in, or breach of, any of the foregoing in a particular
      instance shall not operate as a waiver of other or subsequent conditions
      or breaches of the same or a different kind. Lender's exercise or failure
      to exercise any rights under any of the foregoing in a particular instance
      shall not operate as a waiver of its right to exercise the same or
      different rights in subsequent instances. Except as expressly provided to
      the contrary in this Agreement, or in another written agreement, all the
      terms, conditions, and provisions of the Financing Documents shall
      continue in full force and effect. If in this Agreement's description of
      an agreement between the parties, rights and remedies of Lender or
      obligations of Borrower are described which also exist under the terms of
      the other Financing Documents, the fact that this Agreement may omit or
      contain a briefer description of any rights, remedies and obligations
      shall not be deemed to limit any of such rights, remedies and obligations
      contained in the other Financing Documents. In the event that there shall
      be any inconsistency between any provisions of this Agreement and a
      provision set forth in any other Financing Document, the provision most
      favorable to Lender and the most restrictive as to Obligor shall govern.

            14.2. Payment of Expenses. Without limiting the terms of the
      Financing Documents, Borrower shall pay all costs and expenses incurred by
      or on behalf of Lender (including reasonable attorneys' fees and expenses)
      arising under or in connection with this Agreement or the Financing
      Documents, including without limitation, in connection with (i) the
      negotiation, preparation, execution and delivery of this Agreement and the
      Financing Documents, and any and all consents, waivers or other documents
      or instruments relating thereto, (ii) the filing and recording of any
      Financing Documents and any other documents or instruments or further
      assurances filed or recorded in connection with any Loan Document, (iii)
      any other action required in the course of administration hereof,
      including, but not limited to, all fees and expenses arising out of any
      audits, appraisals, and inspections, and (iv) the defense or enforcement
      of the Financing Documents, whether or not there is any litigation between
      the parties. All costs and expenses shall be added to the Obligations, as
      Lender shall determine, and shall earn interest at the highest rate
      provided for under the Financing Documents.

            14.3 No Third Party Beneficiaries. This Agreement does not create,
      and shall not be construed as creating, any rights enforceable by any
      person not a party to this Agreement.

            14.4 Reference to "Obligor". All references to "Obligor" in this
      Agreement shall mean each and all Obligors (whether Obligor is a natural
      person or a legal entity, and regardless of the use of the word "it" or
      similar term to refer to Obligor), except where the context otherwise
      requires. Each promise, agreement, representation, warranty and covenant
      made by Obligor herein is made and given by each Obligor, jointly and
      severally, and all rights of Obligor hereunder are enjoyed with respect to
      each Obligor, except as expressly set forth herein.

            14.5 Separability. If any provision of this Agreement is held by a
      court of competent jurisdiction to be invalid, illegal or unenforceable,
      the remaining provisions of this Agreement shall nevertheless remain in
      full force and effect.

            14.6 Counterparts. This Agreement may be executed in any number of
      counterparts, which together shall constitute one and the same agreement.

            14.7 Time of Essence. Time is of the essence in each of the
      obligations of Obligor and with respect to all conditions to be satisfied
      by Obligor.

<PAGE>

            14.8 Statute of Limitations. Obligor waives the benefit of all
      statute(s) of limitations in any action or proceeding based upon or
      arising out of this Agreement or the other Financing Documents.

            14.9 Construction; Voluntary Agreement; Representation by Counsel.
      This Agreement has been prepared through the joint efforts of all the
      parties. Neither its provisions nor any alleged ambiguity shall be
      interpreted or resolved against any party on the ground that such party's
      counsel was the draftsman of this Agreement. Each of the parties declares
      that such party has carefully read this Agreement and the agreements,
      documents and instruments being entered into in connection herewith and
      that such party knows the contents thereof and sign the same freely and
      voluntarily. The parties hereto acknowledge that they have been
      represented in negotiations for and preparation of this Agreement and the
      agreements, documents and instrument being entered into in connection
      herewith by legal counsel of their own choosing, and that each of them has
      read the same and had their contents fully explained by such counsel and
      is fully aware of their contents and legal effect.

            14.10 Governing law; Forum Selection. This Agreement has been
      entered into and shall be governed by the laws of the State of New York.
      As a material part of the consideration to the parties for entering into
      this Agreement, each party (i) agrees that, at the option of the Lender,
      all actions and proceedings based upon, arising out of or relating in any
      way directly or indirectly to, this Agreement, or the Financing Documents,
      shall be litigated exclusively in the state courts of the State of New
      York or, at Lender's option, the United States District Court for the
      Southern District of New York; (ii) consents to the jurisdiction of any
      such courts and consent to the service of process in any such action or
      proceeding (whether or not litigated in courts located in the State of New
      York or the United States District Court for he Southern District of
      NewYork) by personal delivery or any other method permitted by law; and
      (iii) waives any and all rights to transfer or to change the venue of any
      such action or proceeding to any court located outside the courts of the
      State of New York or the United States District Court for the Southern
      District of New York.

            14.11 Further Assurances. Obligor agrees to take all further actions
      and execute all further documents as Lender may from time to time
      reasonably request to carry out the transactions contemplated by this
      Agreement.

            14.12 Notices. All notices, requests and demands to or upon the
      respective parties hereto shall be given in accordance with the Financing
      Documents.

            14.13 Mutual Waiver of Right to Jury Trial. LENDER AND OBLIGOR EACH
      HEREBY WAIVE THE RIGHT TO TRIAL BY JURY IN ANY ACTION OR PROCEEDING BASED
      UPON, ARISING OUT OF, OR IN ANY WAY RELATING TO: (I) THIS AGREEMENT, OR
      ANY OF THE AGREEMENTS, INSTRUMENTS OR DOCUMENTS REFERRED TO HEREIN; OR
      (II) ANY OTHER PRESENT OR FUTURE INSTRUMENT OR AGREEMENT BETWEEN OR AMONG
      THEM; OR (III) ANY CONDUCT, ACTS OR OMISSIONS OF LENDER OR OBLIGOR OR ANY
      OF THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, ATTORNEYS OR ANY OTHER
      PERSONS AFFILIATED WITH THEM; IN EACH OF THE FOREGOING CASES, WHETHER
      SOUNDING IN CONTRACT OR TORT OR OTHERWISE.

<PAGE>

      IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective duly authorized officers as of the date first
written above.


FLEET CAPITAL CORPORATION                   WILLEY BROTHERS, INC.


By:      /s/ Vincent J. Pitts               By:      /s/ James F. Brooks

Name:    Vincent J. Pitts                   Name:    James F. Brooks

Title:   Vice President                     Title:   Chief Executive Officer





                                            BRANDPARTNERS GROUP, INC.


                                            By:      /s/ James F. Brooks

                                            Name:    James F. Brooks

                                            Title:   Chief Executive Officer

<PAGE>

                                   SCHEDULE A

                            (Schedule of Obligations)

      As of close of business on November 21, 2003, the Obligations outstanding
with respect to the Loans were as follows:

Loan                                  Principal Balance

A.   $6,000,000 Revolving Credit      $4,242,703.14
     Loan

B.   $8,000,000 Term Loan             $817,045.40

Plus, as to each Loan, any and all interest, expenses, fees, costs and other
charges accrued and accruing under the Financing Documents or this Agreement.