Document:

Exhibit 4.2

                      FOURTH AMENDMENT TO CREDIT AGREEMENT

     THIS FOURTH AMENDMENT TO CREDIT AGREEMENT, dated as of June 30, 2000,
amends and supplements that certain Credit Agreement dated as of April 30, 1998
(as amended to the date, the "Credit Agreement") among BANDO MCGLOCKLIN CAPITAL
CORPORATION, a Wisconsin corporation (the "Company") and FIRSTAR BANK, N.A. (as
successor by merger to Firstar Bank Milwaukee, N.A.) (the "Bank").

                                     RECITAL

     The Company and the Bank desire to amend the Credit Agreement as provided
below.

                                   AGREEMENTS

     In consideration of the promises and agreements set forth in the Credit
Agreement, as amended hereby, the Bank and the Company agree as follows:

     1.  Definitions and References. Capitalized terms not otherwise defined
herein have the meanings assigned to them in the Credit Agreement. All
references to the Credit Agreement contained in the Loan Documents shall, upon
fulfillment of the conditions set forth in section 3 below, mean the Credit
Agreement as amended by this Fourth Amendment.

     2.  Amendments to Credit Agreement. The Credit Agreement is amended as
follows:

         (a)  The definition of "Maturity Date" contained in section 1 of the
Credit Agreement is amended by deleting "June 30, 2000" contained therein and
substituting "June 29, 2001" in its place.

         (b)  The definition of "Revolving Loan Commitment" contained in section
1 of the Credit Agreement is amended to read as follows:

              "Revolving Loan Commitment" means $8,500,000, provided that such
     amount may be reduced in accordance with

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<PAGE>

     section 2.1(a), and provided further, that such amount shall be reduced by
     $500,000 as of January 31, 2001.

         (c)  Section 2.1(a) is amended by adding the following paragraph at the
end thereof:

              Notwithstanding the foregoing, any advances by the Bank in excess
     of $7,500,000 (or in excess of $7,000,000 after January 31, 2001) shall
     not, on or after December 31, 2000, exceed the lesser of (a) $1,000,000 or
     (b) 60% of the increase, if any, in the retained earnings of BMIC from
     December 31, 1999 (as reflected in the financial statements furnished by
     the Company pursuant to sections 5.1 and 5.2 hereof), at which time BMIC's
     retained earnings equaled $4,106,000, through December 31, 2000, and the
     Company shall, on or before January 31, 2001, make such payment, if any, on
     the Note as is necessary in order that the foregoing limitation is not
     exceeded.

         (d)  Exhibit A attached hereto shall be deemed to be a exhibit to the
Credit Agreement and shall replace its predecessor attached thereto.

     3.  Effectiveness of Fourth Amendment.  This Fourth Amendment shall become
effective upon its execution and delivery by the Company and the Bank, and the
satisfaction of the following conditions:

         (a)  Replacement Note. The Bank shall have received the promissory note
of the Company in the form of Exhibit A, duly executed by the Company (the
"Replacement Note).

         (b)  Guaranty Reaffirmations. The Bank shall have received a guaranty
reaffirmation duly executed by BMSBLC and BMIC, respectively, whereby each
entity reaffirms its obligations under its previously executed guaranty in favor
of the Bank with respect to the obligations of the Company.

         (c)  Closing Certificate. The Bank shall have received copies,
certified by the Secretary of the Company to be true and correct and in full
force and effect as of the date of this Fourth Amendment, of (i) a statement to
the effect that the Articles of Incorporation and By-Laws of the Company
remained unamended since the most recent date copies of Articles of
Incorporation and By-Laws were provided to the Bank on April 30, 1999 and such
Articles of Incorporation and By-

                                        2
<PAGE>

laws remain in full force and effect as of the date of this Fourth Amendment;
(ii) resolutions of the Board of Directors of the Company authorizing the
issuance, execution and delivery of this Fourth Amendment and the Replacement
Note; and (iii) a statement containing the names and titles of the officer or
officers of the Company authorized to sign such documents, together with true
signatures of such officers.

         (d)  Proceedings Satisfactory. All other proceedings contemplated by
this Fourth Amendment shall be satisfactory to the Bank, and the Bank shall have
received such other information relating hereto as the Bank may reasonably
request.

     4.  Representations and Warranties.  The Company represents and warrants to
the Bank that:

         (a)  The execution, delivery and issuance of this Fourth Amendment and
the Replacement Note, and the performance by the Company of its obligations
hereunder, are within its corporate power, have been duly authorized by proper
corporate action on the part of the Company, are not in violation of any
existing law, rule or regulation of any governmental agency or authority, any
order or decision of any court, the Articles of Incorporation or By-Laws of the
Company or the terms of any agreement, restriction or undertaking to which the
Company is a party or by which it is bound, and do not require the approval or
consent of the shareholders of the Company, any governmental body, agency or
authority or any other person or entity; and

         (b)  The representations and warranties contained in the Loan Documents
are true and correct in all material respects as of the date of this Fourth
Amendment except (i) the representations and warranties contained in section 3.3
of the Credit Agreement shall apply to the most recent financial statements
delivered by the Company to the Bank pursuant to sections 5.1 and 5.2 of the
Credit Agreement and (ii) for changes contemplated or permitted by the Loan
Documents and, to the Company's knowledge, no condition exists or event or act
has occurred that, with or without the giving of notice or the passage of time,
would constitute an Event of Default under the Credit Agreement.

     5.  Costs and Expenses. The Company agrees to pay to the Bank, on demand,
all costs and expenses (including reasonable attorneys' fees) paid or

                                       3
<PAGE>

incurred by the Bank in connection with the negotiation, execution and delivery
of this Fourth Amendment.

     6.  Full Force and Effect. The Credit Agreement, as amended hereby, remains
in full force and effect.

     7.  Counterparts. This Fourth Amendment may be executed in any number of
counterparts, all of which taken together shall constitute one agreement, and
any of parties hereto may execute this Fourth Amendment by signing any such
counterpart.

                                         BANDO MCGLOCKLIN CAPITAL CORPORATION

                                         BY_____________________________
                                              Its___________________________

                                         FIRSTAR BANK, N.A. (as successor by
                                         merger to Firstar Bank Milwaukee, N.A.)

                                         BY_____________________________
                                              Its___________________________

                                       4
<PAGE>

                                    EXHIBIT A

                                      NOTE

$8,500,000                                                  Milwaukee, Wisconsin
                                                                   June 30, 2000

     FOR VALUE RECEIVED, the undersigned, BANDO MCGLOCKLIN CAPITAL CORPORATION,
a Wisconsin corporation, promises, on or before the Maturity Date (as defined in
the Credit Agreement referred to below), to pay to the order of FIRSTAR BANK,
N.A. (the "Bank") the principal sum of Eight Million Five Hundred Thousand
Dollars, or such lesser amount as is shown to be outstanding according to the
records of the Bank, in such amounts and at such times as set forth in the
Credit Agreement referred to below. The undersigned further promises to pay
interest on the unpaid principal balance of this Note from time to time
outstanding from the date hereof at such rates and payable at such times as set
forth in the Credit Agreement referred to below.

     Payments of both principal and interest are to be made in immediately
available funds in lawful currency of the United States of America at the office
of the Bank, 777 East Wisconsin Avenue, Milwaukee, Wisconsin, 53202, or such
other place as the holder of this Note shall designate to the undersigned in
writing.

     This Note is the Note issued by the undersigned pursuant to a Credit
Agreement dated as of April 30, 1998 between the undersigned and the Bank (as
the same has been and may from time to time be amended, modified, supplemented
or restated, the "Credit Agreement"). Reference is made to the Credit Agreement
for rights and obligations as to prepayment and acceleration of maturity. This
Note replaces that certain Note dated as of April 28, 2000 in the stated
principal amount of $7,500,000 from the undersigned to the Bank, and the
undersigned acknowledges and agrees that the indebtedness incurred thereunder
has not been extinguished and that no novation has occurred.

     The undersigned agrees to pay all costs of collection, including reasonable
attorneys' fees.

                                           BANDO MCGLOCKLIN CAPITAL CORPORATION

                                           BY______________________________
                                                Its____________________________Exhibit 4.3

                         SECOND AMENDMENT TO AMENDED AND
                            RESTATED CREDIT AGREEMENT

     THIS SECOND AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT, dated as of
April 28, 2000, amends and supplements that certain Amended and Restated Credit
Agreement dated as of April 30, 1999, as amended to date (the "Credit
Agreement"), among BANDO MCGLOCKLIN SMALL BUSINESS LENDING CORPORATION, a
Wisconsin corporation (the "Company"), the financial institutions from time to
time party thereto (individually a "Lender" and collectively the "Lenders"), and
FIRSTAR BANK, N.A. (formerly known as Firstar Bank Milwaukee, N.A.), as agent
for the Lenders (in such capacity, the "Agent").

                                     RECITAL

     The Company, the Lenders and the Agent desire to amend the Credit Agreement
as provided below.

                                   AGREEMENTS

     In consideration of the promises and agreements set forth in the Credit
Agreement, as amended hereby, the Lenders, the Agent and the Company agree as
follows:

     1.  Definitions and References. Capitalized terms not otherwise defined
herein have the meanings assigned to them in the Credit Agreement. All
references to the Credit Agreement contained in the Loan Documents shall, upon
fulfillment of the conditions set forth in section 3 below, mean the Credit
Agreement as amended by this Second Amendment.

     2.  Amendments to Credit Agreement. The Credit Agreement is amended as
follows:

         (a)  The following definition is added to section 1 to appear in the
appropriate alphabetical sequence:

              "IRB Letter of Credit" means that certain Irrevocable Transferable
     Direct Pay Letter of Credit No. S104502 dated March 23, 2000 in the stated
     face amount of $8,873,061.64 issued by the Agent, for the account of the
     Company, for the benefit of

<PAGE>

     the Certificate Trustee pursuant to the Indenture, as the same may be
     increased, reduced, renewed, extended, amended, modified, supplemented,
     restated or replaced from time to time.

         (b)  The definitions of "CP Placement Agent" and CP Placement
Agreement" contained in section 1 are amended to read as follows:

              "CP Placement Agent" means either Firstar, or any of its
     Affiliates, or U.S. Bank, or any of its Affiliates, acting in their
     capacity as placement agent or dealer,as applicable, for the Commercial
     Paper under a CP Placement Agreement.

              "CP Placement Agreement" means the commercial paper dealer
     agreements, placement agreements, letter agreements or such other documents
     or agreements between the Company and Firstar, or any of its Affiliates, or
     U.S. Bank, or any of its Affiliates, as the case may be, setting forth the
     terms under which Firstar, or any of its Affiliates, or U.S. Bank, or any
     of its Affiliates, as the case may be, will place Commercial Paper, as
     amended, revised, supplemented or restated from time to time.

         (c)  Subsection (a) of the definition of "Leased Real Estate Borrowing
Base Amount" contained in section 1 is amended by deleting "$30,000,000"
contained therein and substituting "$40,000,000" in its place.

         (d)  The definition of "Letter of Credit" contained in section 1 is
amended to read as follows:

              "Letter of Credit" means a letter of credit issued by the Agent at
     the request of the Company pursuant to section 2.1(c), including the IRB
     Letter of Credit, and "Letters of Credit" means all such letters of credit.

         (e)  The definition of "LOC Commitment" contained in section 1 is
amended to read as follows:

              "LOC Commitment" means the commitment of the Agent to issue, and
     the commitmen of the Lenders to severally participate in, Letters of Credit
     issued by the Agent for the account of the Company from time to time
     outstanding under section 2.1(c), in an aggregate amount not to exceed at
     any

                                       2
<PAGE>

     time outstanding $15,000,000. The LOC Commitment is a subfacility of the
     Revolving Loan Commitment rather than a separate, independent commitment.

         (f)  The definition of "Maturity Date" contained in section 1 is
amended by deleting "April 28, 2000" contained therein and substituting "June
30, 2000" in its place.

         (g)  The definition of "Transferred Loan Value" contained in section 1
is amended deleting the phrase "the Letter of Credit" in each place it appears
and substituting the phrase "the IRB Letter of Credit" in each respective place.

         (h)  The definition of "Revolving Loan Commitment" contained in section
1 is amended by deleting "$70,000,000" contained therein and substituting
"$75,000,000" in its place.

         (i)  Section 2.1(c)(i) is amended to read as follows:

              (i)  Issuance. The Agent will issue standby Letters of Credit,
     which it may lawfully issue, in United States Dollars, for the account of
     the Company, subject to the terms and conditions hereof, at any time during
     the period from the Closing Date to the Maturity Date; provided that:

              [1]  The LOC Exposure as of the applicable Borrowing Date shall
     not exceed the LOC Commitment;

              [2]  The amount available for drawing plus the aggregate
     outstanding principal balance of all Revolving Loans shall not exceed the
     lesser of [a] the Revolving Loan Commitment then in effect and [b] the
     Borrowing Base Amount as shown on the Borrowing Base Certificate most
     recently furnished to the Agent by the Company;

              [3]  Each Letter of Credit and all proceedings related to the
     issuance of each Letter of Credit shall be satisfactory in form and content
     to the Agent;

              [4]  By 12 p.m., Milwaukee time, at least three Business Days
     prior to the proposed Borrowing Date of a Letter of Credit, the Company
     shall deliver to the Agent a duly

                                       3
<PAGE>

     executed application and agreement for such Letter of Credit, in form and
     content satisfactory to the Agent.; and

              [5]  No Letter of Credit shall be issued hereunder unless on the
     proposed Borrowing Date all of the conditions precedent specified in
     section 4.2 shall have been satisfied as fully as if the issuance of such
     Letter of Credit were a Revolving Loan.

         (j)  Section 2.13 is amended by deleting the phrase "the Letter of
Credit" in each place it appears therein and substituting the phrase "any Letter
of Credit" in each place, respectively.

         (k)  Section 2.14 is amended by deleting the phrase "the Letter of
Credit" in each place it appears therein and substituting the phrase "any Letter
of Credit" in each place, respectively.

         (l)  Section 6.12 is amended to read as follows:

              6.12 Third Party Loan Concentration. Permit the sum of (a) the
     aggregate outstanding principal balance of Third Party Loans to, and (b)
     the aggregate amount of all lease payments, under any leases of real
     property, owing from, a single Person and all Affiliates of such Person to
     exceed $5,000,000 other than the existing loans and leases to the Lang
     Company and its Affiliates as set forth on Schedule 6.12 attached hereto.
     For purposes of complying with this covenant, Third Party Loans to, and
     leases with, a Person and any of its Affiliates shall only be aggregated to
     the extent that loans or other extensions of credit to such Person and any
     of its Affiliates would be required to be aggregated under the "combination
     rules" found in the regulations of the Office of the Comptroller of
     Currency at 12 CFR Part 32, Section 32.5.

         (m)  Section 9.2(e) of the Credit Agreement is amended to read as
follows:

              (e)  the execution and delivery or transfer of, or payment or
     failure to pay under, any Letter of Credit; provided, however, that the
     Company shall not be required to indemnify the Agent or the Lenders for any
     claims, damages, losses, liabilities, costs or expenses to the extent, but
     only to the

                                       4
<PAGE>

     extent, caused by (i) the willful misconduct or gross negligence of the
     Agent in determining whether a draw or certificate presented under a Letter
     of Credit complied with the terms of the Letter of Credit or (ii) the
     Agent's willful failure to pay under a Letter of Credit after the
     presentation to it by the beneficiary of a draw and certificate strictly
     complying with the terms and conditions of the Letter of Credit; and

         (n)  Section 9.2(f) is amended by deleting the phrase "the Letter of
Credit" contained therein and substituting the phrase "the IRB Letter of Credit"
in its place.

         (o)  References in the Loan Documents to "a Letter of Credit," "each
Letter of Credit" and "the Letters of Credit" shall again be read as such
references.

         (p)  The Company and the Lenders acknowledge that in connection with
the execution of this Second Amendment The Huntington National Bank
("Huntington") will drop out of the bank group and the remaining Lenders will
increase their commitments to cover (i) the former commitment of Huntington and
(ii) any increase to the aggregate Revolving Loan Commitment of the Lenders
pursuant to this Second Amendment. The Company and the Lenders further
acknowledge and agree that the new Percentages and Revolving Loan Commitments of
each Lender are as set forth next to each Lender's signature to this Second
Amendment.

         (q)  The Lenders hereby acknowledge and agree that in accordance with
the definition of "Owner-Occupied Real Estate Loan" the Third Party Loans listed
on Schedule A attached hereto shall be deemed to be Owner-Occupied Real Estate
Loans notwithstanding that such Third Party Loans no longer qualify as
Owner-Occupied Real Estate Loans because the real property securing each
respective Third Party Loan is no longer occupied by the borrower, an Affiliate
of the borrower or other party related to the borrower.

         (r)  Exhibits A and D and Schedule A attached hereto shall be deemed to
be exhibits and a schedule, respectively, to the Credit Agreement and Exhibits A
and D shall replace their predecessors attached thereto.

     3.  Effectiveness of Second Amendment. This Second Amendment shall become
effective upon its execution and delivery by the Company, the Lenders and the
Agent and satisfaction of the following conditions:

                                       5
<PAGE>

         (a)  Replacement Notes. The Agent shall have received for each Lender a
promissory note of the Company in the form of Exhibit A attached hereto,
appropriately completed, payable to each respective Lender, in the full amount
of such Lender's Revolving Loan Commitment (collectively, the "Replacement
Notes").

         (b)  Commercial Paper Documentation. Firstar and U.S. Bank, or any of
their affiliates shall have received any and all documents reasonably requested
by either of them in connection with the commercial paper arrangements
maintained by each of them with the Company.

         (c)  Closing Certificate of the Company. The Agent shall have received
copies for each of the Lenders, certified by the Secretary of the Company to be
true and correct and in full force and effect, of (i) a statement to the effect
that the Articles of Incorporation and By-Laws of the Company delivered to the
Lenders on April 30, 1999 have not been amended since that date and remain in
full force and effect as of the date hereof; (ii) resolutions of the Board of
Directors of the Company authorizing the issuance, execution and delivery of
this Second Amendment and the Replacement Notes; and (iii) a statement
containing the names and titles of the officer or officers of the Company
authorized to sign such documents, together with true signatures of such
officers.

         (d)  Reaffirmation of Guaranty. The Agent shall have received a
reaffirmation of guaranty duly executed by the Guarantor in form and substance
satisfactory to the Agent pursuant to which the Guarantor reaffirms its
obligations to the Lenders and the Agent..

         (e)  Opinion of Counsel. The Agent shall have received an opinion of
counsel to the Company, addressed to the Agent and the Lenders, in form and
substance satisfactory to the Agent and it's counsel.

         (f)  Proceedings Satisfactory. All other proceedings contemplated by
this Second Amendment shall be satisfactory to the Lenders and the Agent, and
the Lenders and the Agent shall have received such other information relating
hereto as the Lenders or the Agent may reasonably request.

     4.  Representations and Warranties. The Company represents and warrants to
the Lenders and the Agent that:

                                       6
<PAGE>

         (a)  The execution and delivery of this Second Amendment, the
Replacement Notes and related documents, and the performance by the Company of
its obligations thereunder, are within its corporate power, have been duly
authorized by proper corporate action on the part of the Company, are not in
violation of any existing law, rule or regulation of any governmental agency or
authority, any order or decision of any court, the Articles of Incorporation or
By-Laws of the Company or the terms of any agreement, restriction or undertaking
to which the Company is a party or by which it is bound, and do not require the
approval or consent of the shareholders of the Company, any governmental body,
agency or authority or any other person or entity; and

         (b)  The representations and warranties contained in the Loan Documents
are true and correct in all material respects as of the date of this Second
Amendment except (i) the representations and warranties contained in section 3.3
of the Credit Agreement shall apply to the most recent financial statements
delivered by the Company to the Lenders pursuant to sections 5.1 and 5.2 of the
Credit Agreement and (ii) for changes contemplated or permitted by the Loan
Documents and, to the Company's knowledge, no condition exists or event or act
has occurred that, with or without the giving of notice or the passage of time,
would constitute an Event of Default under the Credit Agreement.

     5.  Costs and Expenses. The Company agrees to pay to the Agent, on demand,
all costs and expenses (including reasonable attorneys' fees) paid or incurred
by the Agent in connection with the negotiation, execution and delivery of this
Second Amendment.

     6.  Full Force and Effect. The Credit Agreement, as amended hereby, remains
in full force and effect.

     7.  Counterparts. This Second Amendment may be executed in any number of
counterparts, all of which taken together shall constitute one agreement, and
any of parties hereto may execute this Second Amendment by signing any such
counterpart.

           [Intentionally Left Blank, Signatures Appear on Next Page]

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<PAGE>

                                            BANDO MCGLOCKLIN SMALL BUSINESS
                                            LENDING CORPORATION

                                            BY_____________________________
                                                 Its___________________________
Revolving Loan
  Commitment       Percentage
--------------     ----------
                                            FIRSTAR BANK, N.A., (formerly known
$30,000,000        40.0000000%              as Firstar Bank Milwaukee, N.A.), as
                                            the Agent and a Lender

                                            BY_____________________________
                                                 Its___________________________

                                            U.S. BANK NATIONAL ASSOCIATION
$25,000,000        33.3333333%              (formerly known as First Bank
                                            National Association)

                                            BY_____________________________
                                                 Its___________________________

                                            LASALLE BANK NATIONAL
$10,000,000        13.3333333%              ASSOCIATION (formerly known
                                            as LaSalle National Bank)

                                            BY_____________________________
                                                 Its___________________________

$10,000,000        13.3333334%              M&I MARSHALL & ILSLEY BANK

                                            BY_____________________________
                                                 Its___________________________

                                            BY_____________________________
                                                 Its___________________________

                                      S-1
<PAGE>

                                    EXHIBIT A

                             FORM OF PROMISSORY NOTE

$___________                                                      April 28, 2000

     FOR VALUE RECEIVED, the undersigned, BANDO MCGLOCKLIN SMALL BUSINESS
LENDING CORPORATION, a Wisconsin corporation (the "Company"), hereby promises to
pay to the order of __________________ (the "Lender") the principal sum of
_________ Dollars ($___________) or, if less, the aggregate unpaid principal
amount of all Revolving Loans made by the Lender to the Company pursuant to the
Amended and Restated Credit Agreement, dated as of April 30, 1999 (such Credit
Agreement, as it may be amended, restated, supplemented or otherwise modified
from time to time, being hereinafter called the "Credit Agreement"), among the
Company, the Lender, the other financial institutions parties thereto and
Firstar Bank, N.A. (formerly known as Firstar Bank Milwaukee, N.A.), as agent
for the Lenders, on the dates and in the amounts provided in the Credit
Agreement. The Company further promises to pay interest on the unpaid principal
amount of the Revolving Loans evidenced hereby from time to time at the rates,
on the dates, and otherwise as provided in the Credit Agreement.

     The Lender is authorized to endorse the amount and the date on which each
Revolving Loan is made, the maturity date therefor and each payment of principal
with respect thereto on the schedules annexed hereto and made a part hereof, or
on continuations thereof which shall be attached hereto and made a part hereof;
provided, that any failure to endorse such information on such schedule or
continuation thereof shall not in any manner affect any obligation of the
Company under the Credit Agreement and this Promissory Note (the "Note").

     This Note is one of the Notes referred to in, and is entitled to the
benefits of, the Credit Agreement, which Credit Agreement, among other things,
contains provisions for acceleration of the maturity hereof upon the happening
of certain stated events and also for prepayments on account of principal hereof
prior to the maturity hereof upon the terms and conditions therein specified.

     This Note replaces that certain Note dated as of April 30, 1999, in the
stated principal amount of $___________ from the undersigned to the Lender,

<PAGE>

and the undersigned acknowledges and agrees that the indebtedness incurred
thereunder has not been extinguished and that no novation has occurred.

     Terms defined in the Credit Agreement are used herein with their defined
meanings therein unless otherwise defined herein. This Note shall be governed
by, and construed and interpreted in accordance with, the laws of the State of
Wisconsin applicable to contracts made and to be performed entirely within such
State.

                                            BANDO MCGLOCKLIN SMALL BUSINESS
                                            LENDING CORPORATION

                                            BY______________________________
                                                 Title:_________________________

                                       2
<PAGE>

                                                              Schedule A to Note

                BASE RATE LOANS AND REPAYMENT OF BASE RATE LOANS

                                  (3)
                  (2)           Maturity              (4)
               Amount of         Date of           Amount of           (5)
   (1)           Base             Base               Rate            Notation
  Date         Rate Loan        Rate Loan         Loan Repaid        Made By
--------      -----------      -----------       -------------      ----------
--------      -----------      -----------       -------------      ----------
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                                       3
<PAGE>

                                                    Schedule B to Revolving Note

                        LIBOR RATE LOANS AND REPAYMENT OF
                                LIBOR RATE LOANS

                                  (3)
                  (2)           Maturity              (4)
               Amount of         Date of           Amount of           (5)
   (1)           Base             Base               Rate            Notation
  Date         Rate Loan        Rate Loan         Loan Repaid        Made By
--------      -----------      -----------       -------------      ----------
--------      -----------      -----------       -------------      ----------
--------      -----------      -----------       -------------      ----------
--------      -----------      -----------       -------------      ----------
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--------      -----------      -----------       -------------      ----------
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--------      -----------      -----------       -------------      ----------
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--------      -----------      -----------       -------------      ----------
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                                       4

<PAGE>

                                    EXHIBIT D

               BANDO MCGLOCKLIN SMALL BUSINESS LENDING CORPORATION
                           BORROWING BASE CERTIFICATE

                                            Financial
                                            Statement Date:  ____________, _____

To:  Firstar Bank, N.A. (formerly known as Firstar Bank Milwaukee, N.A., as
     Agent for the Lenders party to the Amended and Restated Credit Agreement
     dated as of April 30, 1999 (as extended, renewed, amended or restated from
     time to time, the "Credit Agreement") among Bando McGlocklin Small Business
     Lending Corporation, certain Lenders which are signatories thereto and
     Firstar Bank, N.A., as Agent

Ladies and Gentlemen:

     1.  Attached as Schedule 1 hereto are (a) a true and correct copy of the
unaudited consolidated and consolidating balance sheet of the Company and its
consolidated Subsidiaries as of the end of the month ended ___________, ______
and (b) the related unaudited consolidated and consolidating statement of income
and the related consolidated statements of shareholders' equity, and cash flows
for the period commencing on the first day of the fiscal year and ending on the
last day of such month, setting forth in each case in comparative form the
figures for the previous year, and certified by a Responsible Officer that such
financial statements were prepared in accordance with GAAP (subject only to
ordinary, good faith year-end audit adjustments and the absence of footnotes)
and fairly present, in all material respects, the financial position and the
results of operations of the Company and its consolidated Subsidiaries.

     2.  The undersigned has reviewed and is familiar with the terms of the
Credit Agreement and has made, or has caused to be made under his/her
supervision, a detailed review of the transactions and conditions (financial or
otherwise) of the Company during the accounting period covered by the attached
financial statements.

     3.  To the best of the undersigned's knowledge, the Company, during such
period, has observed, performed or satisfied all of its covenants and other
agreements, and satisfied every condition in the Credit Agreement to be
observed, performed or satisfied by the Company, and the undersigned has no
knowledge of any Default or Event of Default.

<PAGE>

     4.  The following Borrowing Base Amount analyses and information set forth
on Schedule 2 attached hereto are true and accurate on and as of the date of
this Certificate.

     IN WITNESS WHEREOF, the undersigned has executed this Certificate as of
_________________, _____.

                                           BANDO MCGLOCKLIN SMALL BUSINESS
                                           LENDING CORPORATION

                                           BY
                                             -----------------------------------
                                                Title:
                                                      --------------------------

                                        2
<PAGE>

                               [NOTE: SAMPLE ONLY]

                                   SCHEDULE 2
                                   ----------
                       (to the Borrowing Base Certificate)
                             As of __________, ____

1.   Owner-Occupied Real Estate Loan Borrowing Base Amount:

     (a)  Eligible Owner-Occupied Real Estate Loans that are not Nonperforming
          Loans:

          (i)   Outstanding principal balance:           $_________

          (ii)  Established Value of the real
                property securing such Loans:            $_________

                            X   .64

          Subtotal   =                                                $_________

          (iii) Lesser of (i) and Subtotal in (ii)       $_________

     (b)  Eligible Owner-Occupied Real Estate Loans that are Nonperforming:

          (i)   Outstanding principal balance:           $_________

          (ii)  Established Value of the real
                property securing such Loans:            $_________

                            X   .50

          Subtotal   =                                                $_________

          (iii) Lesser of (i) and Subtotal in (ii)                    $_________

     (c)  Total: [sum of (a)(iii) and (b)(iii)]                       $_________

     (d)  Total Outstanding Principal Balance of
          Eligible Owner-Occupied Real Estate
          Loans [sum of (a)(i) and (b)(i)]                            $_________

     (e)  divided by 1.10 =                                           $_________

     (f)  Owner-Occupied Real Estate Loan Borrowing
          Base Amount [lesser of (e) and (c)]                         $_________

                                        3
<PAGE>

2.   Leased Real Estate Borrowing Base Amount:

     (a)  Eligible Leased Real Estate that are not Nonperforming Leases:

          (i)   Established Value of such Eligible
                Leased Real Estate:                                   $_________

                            X   .80

          (ii)  Subtotal   =                                          $_________

     (b)  Eligible Leased Real Estate that are Nonperforming Leases:

          (i)   Established Value of such Eligible
                Leased Real Estate:                                   $_________

                            X   .50

          (ii)  Subtotal   =                                          $_________

     (c)  Subtotal: [sum of (a)(ii) and (b)(ii)]                      $_________

     (d)  Leased Real Estate Borrowing Base Amount
          [Lesser of (c) and $40,000,000]                             $_________

3.   Eligible Construction Loans:

     (a)  Outstanding principal balance:                              $_________

                            X   .80

                Subtotal   =                                          $_________

     (b)  Total [Lesser of Subtotal in (a) and $5,000,000]            $_________

4.   Eligible Construction Costs:

     (a)  Total construction costs (less the
          aggregate amount of Soft Costs in excess
          of 5% of total construction costs)                          $_________

                            X   .80

     (b)  Total                                                       $_________

                                        4
<PAGE>

5.   Transferred Loan Borrowing Base Amount:

     (a)  Transferred Loans for which Certificates of Participation issued under
          the Indenture remain outstanding:

          (i)   Outstanding principal balance:           $_________

          (ii)  Fair market value of the real property
                and equipment securing such Loans        $_________

                            X   .64

                Subtotal   =                   $_________

          (iii) Lesser of (i) and Subtotal in (ii)                    $_________

     (b)  Transferred Loans for which Certificates of Participation issued under
          the Indenture no longer remain outstanding:

          (i)   Outstanding principal balance:           $_________

          (ii)  Fair market value of the real property
                and equipment securing such Loans        $_________

                            X   .50

                Subtotal   =                   $_________

          (iii) Lesser of (i) and Subtotal in (ii)                    $_________

     (c)  Transferred Loan Borrowing Base Amount
          [Sum of (a)(iii) and (b)(iii)]                             $__________

6.   Borrowing Base Amount [sum of 1(f),
     2(d), 3(b), 4(b) and 5(c)]                                       $_________

7.   Total Commercial Paper Outstanding $_________

8.   Total Revolving Loans Outstanding (including                     $_________
     Swing Line Loans and the face amount of
     outstanding Letters of Credit)

9.   Total Credit Outstanding [sum of 7 and 8]                        $_________

10.  Excess Availability (Overadvance) [6 minus 9]                    $_________

                                        6

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