Document:

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                                                                   Exhibit 10.14

                           LOAN MODIFICATION AGREEMENT

     THIS LOAN MODIFICATION AGREEMENT (this "Agreement") is entered into as of
the 30th day of March, 2001, by and among SILICON VALLEY BANK ("Bank"), a
California-chartered bank ("Bank"), with its principal place of business at 3003
Tasman Drive, Santa Clara, CA 95054, and with a loan production office located
at 9701 West Higgins Road, Suite 150, Rosemont, IL 60018, KANBAY INTERNATIONAL,
INC. (successor to Kanbay LLC), a Delaware corporation ("Kanbay International"),
with its principal place of business at 6400 Shafer Court, Suite 100, Rosemont,
IL 60018, KANBAY INCORPORATED, an Illinois corporation ("Kanbay Inc."), with its
principal place of business at 6400 Shafer Court, Suite 100, Rosemont, IL 60018.
KANBAY EUROPE LTD., a company formed under the laws of the United Kingdom
("Kanbay Europe"), with its principal place of business at Compass House, Vision
Park, Histon, Cambridge, UK CBD 9AD, KANBAY AUSTRALIA PTY. LTD., a company
formed under the laws of Australia ("Kanbay Australia"), with its principal
place of business at 602 Whitehorse Road, Mitcham, Victoria 3132, Australia
MEGATEC PTY. LTD., a company formed under the laws of Australia ("Megatec"),
with its principal place of business at 602 Whitehorse Road, Mitcham, Victoria
3132, Australia, and KANBAY HK LTD., a company formed under the laws of Hong
Kong ("Kanbay HK"), with its principal place of business at 12th Floor Shiu Fung
Hong Bldg., Suite 1201, 23 Wing Lok Street, Sheung Wan, Hong Kong (Kanbay
International, Kanbay Inc., Kanbay Europe, Kanbay Australia, Megatec and Kanbay
HK being sometimes herein called collectively the "Borrowers" and each
individually a "Borrower").

1.   DESCRIPTION OF EXISTING INDEBTEDNESS. Among other indebtedness which may be
owing by Borrowers to Bank. Borrowers are indebted to Bank pursuant to, among
other documents, a Loan and Security Agreement, dated as of April 19, 2000,
between Kanbay LLC, a Delaware limited liability company ("Kanbay LLC"), Kanbay
Inc., Kanbay Europe, Kanbay Australia, Megatec, Kanbay HK and the Bank as
corrected and conformed by a certain Correction Agreement, dated as of May 1,
2000, among the parties thereto (the "Loan Agreement"). The Loan Agreement
provides for, among other things, a Committed A/R Revolving Line in the
aggregate amount of up to $4,500,000, including a Letters of Credit sublimit in
an amount not to exceed $250,000 and a Foreign Exchange sublimit in an amount
not to exceed $100,000, and a Term Loan in the amount of $750,000. Pursuant to
Section 7.10 of the Loan Agreement, on or about August 24, 2000, Kanbay LLC
converted into Kanbay International. A Ratification and Assumption Agreement,
dated as of August 24, 2000, was executed by Kanbay International, and
acknowledged and ratified by Kanbay Inc., Kanbay Europe, Kanbay Australia,
Megatec, and Kanbay HK, wherein Kanbay International ratified the Loan Documents
and assumed all of Kanbay LLC's obligations thereunder (the "Ratification
Agreement"). Also, in connection with the conversion of Kanbay LLC into Kanbay
International and the Ratification Agreement, Kanbay International executed and
delivered other Loan Documents, including without limitation a Stock Pledge
Agreement, dated as of August 24, 2000 (the Stock Pledge Agreement). All terms
that are used herein that are defined in the Loan Agreement and not otherwise
defined herein shall have the meaning ascribed to such terms in the Loan
Agreement.

Hereinafter, all indebtedness owing by Borrowers to Bank shall be referred to as
the "Indebtedness."

2.   DESCRIPTION OF COLLATERAL. Repayment of the Indebtedness is secured by the
Collateral as described in the Loan Agreement and Stock Pledge Agreement.

Hereinafter, the above-described security documents, together with all other
documents securing repayment of the indebtedness shall be referred to as the
"Security Documents". Hereinafter, the Security Documents, together with all
other documents evidencing or securing the Indebtedness shall be referred to as
the "Existing Loan Documents."

3.   MODIFICATIONS TO LOAN AGREEMENT.

     3.1 Section 2.3(a) of the Loan Agreement shall be deleted in its entirety
and the following shall be inserted in lieu thereof:

          "(a) Interest Rate. Advances made under the Committed A/R Revolving
     Line accrue interest on the outstanding principal balance at a per annum
     rate one and one-half (1 1/2) percentage points above the Prime Rate:
     provided, however, that upon Kanbay International achieving quarterly
     profitability on a

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     consolidated basis for two consecutive quarters, Advances made under the
     Committed A/R Revolving Line thereafter shall accrue interest on the
     outstanding principal balance at a per annum rate one (1.00) percentage
     point above the Prime Rate. Upon an event of Default, all Obligations
     accrue interest at 5 percent above the rate effective immediately before
     the Event of Default. The interest rate increases or decreases when the
     Prime Rate changes. Interest is computed on a 360 day year for the actual
     number of days elapsed."

     3.2 Section 6.7 of the Loan Agreement shall be deleted in its entirety and
the following shall be inserted in lieu thereof:

     "6.7 FINANCIAL COVENANTS.

          Borrowers will maintain as of the last day of each month, unless
     otherwise noted:

          (a)  QUICK RATIO. A ratio of Quick Assets to Current Liabilities minus
     Deferred Revenue and any current portions of Subordinated Debt, of at least
     1.40 to 1.00 through March 31, 2001, and of at least 1.25 to 1.00 from and
     after April 1, 2001.

          (b)  PROFITABILITY. Kanbay may not incur a consolidated Loss for the
     quarter ended March 31, 2001, in excess of $850,000.00 or fail to earn a
     Profit of less than $100,00.00 on a consolidated basis for any subsequent
     quarter.

          (c)  EBITDA. An EBITDA of at least $200,000.00 for the month ended
     July 31, 2001 and on a monthly basis thereafter."

     3.3  The definition of "BORROWING BASE" and "REVOLVING MATURITY DATE" are
deleted and the following definitions shall be inserted in lieu thereof.

          "BORROWING BASE" is (i) 75% of Eligible Accounts of Kanbay Inc., plus
     (ii) up to the lesser of (A) 50% of all unbilled Accounts of Kanbay Inc.
     that are no older than 30 days from the date of performance, or (B)
     $750,000.00, as determined by Bank from Borrower's most recent Borrowing
     Base Certificate.

          "REVOLVING MATURITY DATE" is March 5, 2002.

     3.4  The following definition of "EBITDA" shall be inserted in the Loan
Agreement.

          "EBITDA" is defined in Section 2.1.1(a); provided however that for
     purposes of Section 6.7(c) the word "quarterly" shall be deemed to be
     "monthly."

     3.5  Exhibit C of the Loan Agreement, Borrowing Base Certificate, shall be
deleted in its entirety and Exhibit C attached hereto shall be inserted in lieu
thereof.

     3.6  Exhibit D of the Loan Agreement, Compliance Certificate, shall be
deleted in its entirety and Exhibit D attached hereto shall be inserted in lieu
thereof.

4.   WAIVER OF EVENT OF DEFAULT UNDER PROFITABILITY COVENANT. Pursuant to
Section 6.7(b) of the Loan Agreement, Borrower may not incur a consolidated loss
for the quarters ended September 30, 2000 and December 31, 2000. Borrower has,
in fact, incurred a consolidated loss for both quarters, and accordingly, the
Bank has a right to declare an Event of Default under Section 8.2 of the Loan
Agreement. Bank hereby waives such Event of Default.

5.   CONSISTENT CHANGES. The Existing Loan Documents are hereby amended wherever
necessary to reflect the changes described above.

6.   PAYMENT OF FEES AND EXPENSES. Simultaneously with the execution and
delivery hereof, Borrowers shall pay to Bank: (i) a renewal fee of $11,250.00
(being the amount of the Committed A/R Revolving Line,

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multiplied by 25 basis points (.25 percent)) ("Renewal Fee"), and (ii) a waiver
fee of $2,000.00 (for and in consideration of the waiver of the Event of Default
provided in Section 4 of this Loan Modification Agreement) ("Waiver Fee"). Both
the Renewal Fee and the Waiver Fee shall be fully earned and non-refundable at
the time of their payment. In addition, Borrowers shall pay all of Bank's
out-of-pocket expenses (including reasonable attorneys' fees and expenses for
documentation of the Loan Modification Agreement not to exceed $1,000.00 plus
expenses) with respect to this Loan Modification Agreement ("Expenses").

7.   NO DEFENSES OF BORROWER. Borrowers agree that, as of the date hereof, they
have no defenses against the obligations to pay any amounts under the
indebtedness.

8.   CONTINUING VALIDITY. Borrowers understand and agree that in modifying the
Existing Loan Documents and existing Indebtedness, Bank is relying upon
Borrowers' representations, warranties, and agreements, as set forth in the
Existing Loan Documents. Except as expressly modified pursuant to this Loan
Modification Agreement, the terms of the Existing Loan Documents remain
unchanged and in full force and effect. Bank's agreement to modifications to the
Existing Loan Documents and existing Indebtedness pursuant to this Loan
Modification Agreement in no way shall obligate Bank to make any future
modifications to the Existing Loan Documents or the existing Indebtedness.
Nothing in this Loan Modification Agreement shall constitute a satisfaction of
the Indebtedness. It is the intention of Bank and Borrowers to retain as liable
parties all makers and endorsers of Existing Loan Documents. No maker, endorser,
or guarantor will be released by virtue of this Loan Modification Agreement. The
terms of this paragraph apply not only to this Loan Modification Agreement, but
also to all subsequent loan modification agreements.

9.   CONDITIONS. The effectiveness of this Loan Modification Agreement is
conditioned upon payment of the Renewal Fee, the Waiver Fee and Expenses.

     This Loan Modification Agreement is executed as of the date first written
above.

BORROWERS:

KANBAY INTERNATIONAL, INC.           KANBAY AUSTRALIA PTY. LTD

By: /s/ William Weissman             By: /s/ William Weissman
    --------------------------           ---------------------------
Title  CFO/Secretary                 Title  Director
       -----------------------              ------------------------

KANBAY INCORPORATED                  MEGATEC PTY. LTD.

By: /s/ William Weissman             By: /s/ William Weissman
    --------------------------           ---------------------------
Title  Director                      Title  Director
       -----------------------              ------------------------

KANBAY EUROPE LTD.                   KANBAY HK LTD.

By: /s/ William Weissman             By: /s/ William Weissman
    --------------------------           ---------------------------
Title  Director                      Title  Director
       -----------------------              ------------------------

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BANK:

SILICON VALLEY BANK

By: Authorized Party
    --------------------------------

Title: Authorized Party
       -----------------------------

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                                                                   Exhibit 10.15

                           LOAN MODIFICATION AGREEMENT

This Loan Modification Agreement is entered into as of March 5, 2002, by and
among, Kanbay International, Inc., Kanbay Incorporated, Kanbay Europe Ltd.,
Kanbay Australia Pty. Ltd., Megatec Pty. Ltd., and Kanbay HK Ltd. (each
individually the "Borrower" and collectively the "Borrowers") and Silicon Valley
Bank ("Bank").

1.   DESCRIPTION OF EXISTING OBLIGATIONS: Among other Obligations which may be
owing by Borrowers to Bank, Borrowers are indebted to Bank pursuant to, among
other documents, a Loan and Security Agreement, dated April 19, 2000, as may be
amended from time to time, (the "Loan Agreement"). The Loan Agreement provides
for, among other things, a Committed A/R Revolving Line in the original
principal amount of Four Million Five Hundred Thousand Dollars ($4,500,000) and
a Term Loan in the original principal amount of Seven Hundred Fifty Thousand
Dollars ($750,000). Defined terms used but not otherwise defined herein shall
have the same meanings as set forth in the Loan Agreement.

Hereinafter, all indebtedness owing by Borrower to Bank shall be referred to as
the "Obligations."

2.   DESCRIPTION OF COLLATERAL. Repayment of the Obligations is secured by the
Collateral, as described in the Loan Agreement, and the Pledged Collateral, as
described in that certain Stock Pledge Agreement, dated August 24, 2000, by and
between Kanbay International, Inc. and Bank (the "Pledge").

Hereinafter the above-described security documents together with all other
documents securing repayment of the Obligations shall be referred to as the
"Security Documents". Hereinafter, the Security Documents, together with all
other documents evidencing or securing the Obligations shall be referred to as
the "Existing Loan Documents".

3.   DESCRIPTION OF CHANGE IN TERMS.

     A.   MODIFICATION(S) TO LOAN AGREEMENT.

          1.   The following defined term under Section 13.1 entitled
               "Definitions" is hereby amended to read as follows:

               "Revolving Maturity Date" is April 20, 2002.

4.   CONSISTENT CHANGES. The Existing Loan Documents are hereby amended wherever
necessary to reflect the changes described above.

5.   NO DEFENSES OF BORROWER. Borrower (and each Pledgor signing below) agrees
that, as of the date hereof, it has no defenses against paying any of the
Obligations.

6.   CONCERNING REVISED ARTICLE 9 OF THE UNIFORM COMMERCIAL CODE. The Borrower
affirms and reaffirms that notwithstanding the terms of the Security Documents
to the contrary, (i) that the definition of "Code", "UCC" or "Uniform Commercial
Code" as set forth in the Security Documents shall be deemed to mean and refer
to "the Uniform Commercial Code as adopted by the State of Illinois, as may be
amended and in effect from time to time and (ii) the Collateral is all assets of
the Borrower. In connection therewith, the Collateral shall include, without
limitation, the following categories of assets as defined in the Code: goods
(including inventory, equipment and any accessions thereto), instruments
(including promissory notes), documents, accounts (including
health-care-insurance receivables, and license fees), chattel paper (whether
tangible or electronic), deposit accounts, letter-of-credit rights (whether or
not the letter of credit is evidenced by a writing), commercial tort claims,
securities and all other investment property, general intangibles (including
payment intangibles and software), supporting obligations and any and all
proceeds of any thereof, wherever located, whether now owned or hereafter
acquired.

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7.   CONTINUING VALIDITY. Borrower (and each Pledgor signing below) understands
and agrees that in modifying the existing Indebtedness, Bank is relying upon
Borrower's representations, warranties, and agreements, as set forth in the
Existing Loan Documents. Except as expressly modified pursuant to this Loan
Modification Agreement, the terms of the Existing Loan Documents remain
unchanged and in full force and effect. Bank's agreement to modifications to the
existing Obligations pursuant to this Loan Modification Agreement in no way
shall obligate Bank to make any future modifications to the Obligations. Nothing
in this Loan Modification Agreement shall constitute a satisfaction of the
Obligations. It is the intention of Bank and Borrower to retain as liable
parties all makers and endorsers of Existing Loan Documents, unless the party is
expressly released by Bank in writing. Unless expressly released herein, no
maker, endorser, or guarantor will be released by virtue of this Loan
Modification Agreement. The terms of this paragraph apply not only to this Loan
Modification Agreement, but also to all subsequent loan modification agreements.

     This Loan Modification Agreement is executed as of the date first written
above.

BORROWER:

KANBAY INTERNATIONAL, INC.                   KANBAY AUSTRALIA PTY. LTD.

By: /s/ William Weissman                     By: /s/ William Weissman
   ------------------------------------         -------------------------------
Name: William Weissman                       Name: William Weissman
     ----------------------------------           -----------------------------
Title: VP & CFO                              Title: VP & CFO/Director
      ---------------------------------             ---------------------------

KANBAY INCORPORATED                          MAGATEC PTY. LTD

By: /s/ William Weissman                     By: /s/ William Weissman
   ------------------------------------         -------------------------------
Name: William Weissman                       Name: William Weissman
     ----------------------------------           -----------------------------
Title: VP & CFO/Director                     Title: VP & CFO/Director
      ---------------------------------             ---------------------------

KANBAY EUROPE LTD.                           KANBAY HK LTD.

By: /s/ William Weissman                     By: /s/ William Weissman
   ------------------------------------         -------------------------------
Name: William Weissman                       Name: William Weissman
     ----------------------------------           -----------------------------
Title: VP & CFO/Director                     Title: VP & CFO/Director
      ---------------------------------             ---------------------------

BANK:

SILICON VALLEY BANK

By: /s/ Authorized Party
   ------------------------------------
Name: Authorized Party
     ----------------------------------
Title: Authorized Party
      ---------------------------------

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[LOGO]

                               SILICON VALLEY BANK

                       PRO FORMA INVOICE FOR LOAN CHARGES

BORROWER:           KANBAY INTERNATIONAL, INC.
                    KANBAY INCORPORATED
                    KANBAY EUROPE LTD.
                    KANBAY AUSTRALIA PTY. LTD.
                    KANBAY HK LTD.
                    MEGATEC PTY. LTD.

LOAN OFFICER:       Dave Dailey

DATE:               March 5, 2002

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<S>                                                  <C>
                    Documentation Fee                $ 250.00

                    TOTAL FEE DUE                    $ 250.00
                                                     ========
</Table>

Please indicate the method of payment:

     / / A check for the total amount is attached.

     /X/ Debit DDA # 3300229901 for the total amount.

     / / Loan proceeds

/s/ William Weissman           3/21/02
--------------------------------------
Borrower                        (Date)

/s/ Authorized Party           3/22/02
--------------------------------------
Silicon Valley Bank             (Date)
Account Officer's Signature

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