Document:

<PAGE>
                                                                  EXHIBIT 10.4.6

                       AMENDMENT NO. 6 TO CREDIT AGREEMENT

                AMENDMENT NO. 6, dated as of December 10, 2001 (this
"Amendment") to Credit Agreement, by and among Private Business, Inc., a
Tennessee corporation (the "Borrower"), the Lenders and Fleet National Bank, as
the Initial Issuing Bank, the Swing Line Bank and the Administrative Agent.

                             PRELIMINARY STATEMENTS

                (A) The Borrower, the Lenders and Fleet National Bank, as the
Initial Issuing Bank, the Swing Line Bank and the Administrative Agent, are
parties to the Credit Agreement, dated as of August 7, 1998 (as amended to the
date hereof, the "Credit Agreement").

                (B) The Borrower has requested that the Administrative Agent and
Lenders (i) extend the time period set forth in Amendment No. 4 to Credit
Agreement, dated as of June 30, 2001 ("Amendment No. 4"), for the execution and
delivery of a Mortgage with respect to each parcel of real property owned by the
Borrower or any of its Subsidiaries and (ii) consent to the merger of Private
Business Insurance, Inc. ("PB Insurance") into Private Business Processing, Inc.
("PB Processing") or the contribution of the stock of PB Insurance to PB
Processing and the subsequent conversion of PB Insurance to a limited liability
company (either such action, the "PB Insurance Restructuring"), and the
Administrative Agent and the Lenders are willing to do so on the terms and
conditions set forth herein.

                (C) The terms defined in the Credit Agreement and not otherwise
defined herein shall have the meanings ascribed to them in the Credit Agreement.

                NOW, THEREFORE, in consideration of the premises and of the
mutual covenants and agreements contained herein, the parties hereto hereby
agree as follows:

ARTICLE 1. Amendment to Credit Agreement.

        Section 6.1(d) of Amendment No. 4 is amended by deleting the words
"Within 120 days after the effectiveness of the Towne Merger" and replacing them
with the words "On or before June 30, 2002".

ARTICLE 2. Consent to PB Insurance Restructuring.

        Notwithstanding the provisions of the Credit Agreement, the Lenders
hereby consent to the PB Insurance Restructuring; provided, that, the Borrower,
PB Processing and PB Insurance agree to execute any documents and instruments
and take any actions reasonably requested by the Administrative Agent in order
to maintain the perfection of the security interests granted by PB Insurance
and, unless PB Insurance is merged into PB Processing and thus ceases to exist
as a separate entity, the pledge of 100% of the equity interests of PB
Insurance.

ARTICLE 3. Confirmations and References.

        Section 3.1. Continuing Effect. The Credit Agreement and the other Loan
Documents delivered in connection therewith are, and shall continue to be, in
full force and effect, and are

<PAGE>

hereby ratified and confirmed in all respects, except that, on and after the
date hereof, (a) all references in the Loan Documents (i) to the "Credit
Agreement," "thereto," "thereof," "thereunder" or words of like import referring
to the Credit Agreement shall mean the Credit Agreement as amended hereby and
(ii) to the "Loan Documents" shall be deemed to include this Amendment; and (b)
all references in the Credit Agreement to "this Agreement," "hereto," "hereof,"
"hereunder" or words of like import referring to the Credit Agreement shall mean
the Credit Agreement as amended hereby.

        Section 3.2. Confirmation of Liens. The Liens granted pursuant to the
Collateral Documents secure, without limitation, the Obligations of the Borrower
and its Subsidiaries to the Lenders and the Administrative Agent under the
Credit Agreement as amended by this Amendment. The term "Obligations" as used in
the Collateral Documents (or any other term used therein to refer to the
liabilities and obligations of the Borrower and its Subsidiaries to the Lenders
and the Administrative Agent), include, without limitation, Obligations to the
Lenders and the Administrative Agent under the Credit Agreement as amended by
this Amendment.

        Section 3.3. Amendment. This Amendment shall be deemed to be an
amendment to the Credit Agreement and shall not be construed in any way as a
replacement or substitution therefor. All of the terms and conditions of, and
terms defined in, this Amendment are hereby incorporated by reference into the
Credit Agreement as if such terms and provisions were set forth in full therein.

        Section 3.4. Limited Consent. The consent in Article 2 is only
applicable and shall only be effective in the specific instance and for the
specific purpose for which made. Such consent is expressly limited to the facts
and circumstances and subject to the conditions referred to herein and shall not
operate (a) as a waiver of or consent to non-compliance with any other Section
or provision of the Credit Agreement or any other Loan Document, (b) as a waiver
of any right, power or remedy of either the Administrative Agent or any Lender
Party under the Credit Agreement or any other Loan Document or (c) as a waiver
of or consent to any Event of Default or Default under the Credit Agreement or
any other Loan Document.

ARTICLE 4. Condition to Amendment.

        The effectiveness of the amendment contained in Article 1 and the
consent contained in Article 2 shall be subject to the fulfillment of the
following condition precedent: the Borrower, the Required Lenders and Revolving
Credit Lenders holding greater than 50% of the aggregate Revolving Credit
Commitments shall have executed and delivered to the Administrative Agent this
Amendment.

ARTICLE 5. Miscellaneous.

        Section 5.1. Continued Effectiveness. Except as specifically amended
herein, the Credit Agreement and each of the other Loan Documents shall remain
in full force and effect in accordance with their respective terms.

        Section 5.2. Governing Law. This Amendment shall be governed and
construed in accordance with the laws of the State of New York.

                                      -2-
<PAGE>

        Section 5.3. Severability. The provisions of this Amendment are
severable, and if any clause or provision shall be held invalid or unenforceable
in whole or in part in any jurisdiction, then such invalidity or
unenforceability shall affect only such clause or provision, or part thereof, in
such jurisdiction and shall not in any manner affect such clause or provision in
any other jurisdiction, or any other clause or provision in this Amendment in
any jurisdiction.

        Section 5.4. Counterparts. This Amendment may be signed in any number of
counterparts with the same effect as if the signatures thereto and hereto were
upon the same instrument. Delivery of an executed counterpart of this Amendment
by facsimile shall be as effective as delivery of an originally executed
counterpart.

        Section 5.5. Binding Effect; Assignment. This Amendment shall be binding
upon and inure to the benefit of the Borrower and its respective successors and
to the benefit of the Administrative Agent and the Lenders and their respective
successors and assigns. The rights and obligations of the Borrower under this
Amendment shall not be assigned or delegated without the prior written consent
of the Lenders, and any purported assignment or delegation without such consent
shall be void.

        Section 5.6. Expenses. The Borrower shall pay the Administrative Agent
upon demand for all reasonable expenses, including reasonable fees of counsel
for the Administrative Agent, incurred by the Administrative Agent in connection
with the preparation, negotiation and execution of this Amendment and any
documents required to be furnished herewith.

                            [Signature Pages Follow]

                                      -3-
<PAGE>

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

                                            PRIVATE BUSINESS, INC.,
                                            AS BORROWER

                                            By:  /s/ Gerard M. Hayden, Jr.
                                                 -------------------------
                                            Title: Chief Financial Officer
                                                   -----------------------

                                            ACKNOWLEDGED AND CONSENTED TO:

                                            PRIVATE BUSINESS INSURANCE, INC.
                                            PRIVATE BUSINESS CAPITAL, INC.
                                            PRIVATE BUSINESS PROCESSING, INC.
                                            TOWNE SERVICES, INC.
                                            BANKING SOLUTIONS, INC.
                                            BSI ACQUISITION CORP.
                                            IMAGING INSTITUTE, INC.
                                            FORSEON CORPORATION

                                            By: /s/ Gerard M. Hayden, Jr.
                                                --------------------------
                                            Title: Chief Financial Officer
                                                   -----------------------

        [PRIVATE BUSINESS, INC. - AMENDMENT NO. 6 TO CREDIT AGREEMENT]

<PAGE>

                                            FLEET NATIONAL BANK,
                                            AS INITIAL ISSUING BANK,
                                            AS SWING LINE BANK,
                                            AS ADMINISTRATIVE AGENT AND
                                            AS LENDER

                                            By: /s/ Stephen M. Curran
                                                ---------------------
                                            Title: Director
                                                   ------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 6 TO CREDIT AGREEMENT]

<PAGE>

                                            CITIZENS BANK OF MASSACHUSETTS,
                                            AS LENDER

                                            By:
                                               ---------------------------------

                                            Title:
                                                  ------------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 6 TO CREDIT AGREEMENT]

<PAGE>

                                            PILGRIM PRIME RATE TRUST,
                                            AS LENDER

                                            By: Pilgrim Investments, Inc.,
                                            as its Investment Manager

                                            By:
                                               ---------------------------------

                                            Title:
                                                  ------------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 6 TO CREDIT AGREEMENT]

<PAGE>

                                            LASALLE BANK NATIONAL ASSOCIATION,
                                            AS LENDER

                                            By: /s/ Lisa A. Hopkins
                                                ---------------------------
                                            Title: Assistant Vice President
                                                   ------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 6 TO CREDIT AGREEMENT]

<PAGE>

                                            CREDIT LYONNAIS NEW YORK BRANCH,
                                            AS LENDER

                                            By:
                                               ---------------------------------

                                            Title:
                                                   -----------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 6 TO CREDIT AGREEMENT]<PAGE>
                                                                  EXHIBIT 10.4.7

                       AMENDMENT NO. 7 TO CREDIT AGREEMENT

                AMENDMENT NO. 7, dated as of December 31, 2001 (this
"Amendment"), to Credit Agreement, by and among Private Business, Inc., a
Tennessee corporation (the "Borrower"), the Lenders and Fleet National Bank, as
the Initial Issuing Bank, the Swing Line Bank and the Administrative Agent.

                             PRELIMINARY STATEMENTS

                (A) The Borrower, the Lenders and Fleet National Bank, as the
Initial Issuing Bank, the Swing Line Bank and the Administrative Agent, are
parties to the Credit Agreement, dated as of August 7, 1998 (as amended to the
date hereof, the "Credit Agreement").

                (B) The Borrower has requested that the Administrative Agent and
Lenders (i) amend the minimum EBITDA covenant, as and to the extent set forth
below, and (ii) consent to the sale by the Borrower of its headquarters located
in Brentwood, Tennessee (the "Borrower Headquarters") and the application of the
proceeds from such sale solely to scheduled principal installments under the
Term B Facility in inverse order of maturity, and the Administrative Agent and
the Lenders are willing to do so on the terms and conditions set forth herein.

                (C) The terms defined in the Credit Agreement and not otherwise
defined herein shall have the meanings ascribed to them in the Credit Agreement.

                NOW, THEREFORE, in consideration of the premises and of the
mutual covenants and agreements contained herein, the parties hereto hereby
agree as follows:

ARTICLE 1. Amendment to Credit Agreement.

        Section 1.1. Section 8.1 of the Credit Agreement is amended by deleting
the minimum EBITDA covenant levels for the periods of four fiscal quarters
ending on or about March 31, 2002, June 30, 2002 and September 30, 2002 and
replacing them with the following:

<TABLE>
<CAPTION>
         Four Fiscal Quarters ending on or about:             Minimum EBITDA
         ----------------------------------------             --------------
<S>                                                           <C>
         March 31, 2002                                       $14,000,000
         June 30, 2002                                        $15,000,000
         September 30, 2002                                   $16,000,000
</TABLE>

ARTICLE 2. Consent to Sale of Headquarters and Application of Proceeds.

        Section 2.1. Notwithstanding the provisions of Section 6.5 of the Credit
Agreement, the Lenders hereby consent to the sale by the Borrower of the
Borrower Headquarters, provided, that, upon receipt of the Net Cash Proceeds
from such sale, the Borrower shall prepay the Facilities in an amount not less
than $2,000,000.

        Section 2.2. Upon the effectiveness of this Amendment, the
Administrative Agent shall be authorized to execute and deliver to the Borrower
a release of the Deed of Trust, Security Agreement, Assignment of Leases and
Rents and Financing Statement, dated as of November 9, 1998 (the "Deed of
Trust"), by the Borrower to Alexander Blackman Buchanan, as trustee for the
benefit of the Administrative Agent, releasing the Borrower Headquarters from
the lien created by the Deed of Trust.

<PAGE>

ARTICLE 3. Confirmations and References.

        Section 3.1. Continuing Effect. The Credit Agreement and the other Loan
Documents delivered in connection therewith are, and shall continue to be, in
full force and effect, and are hereby ratified and confirmed in all respects,
except that, on and after the date hereof, (a) all references in the Loan
Documents (i) to the "Credit Agreement," "thereto," "thereof," "thereunder" or
words of like import referring to the Credit Agreement shall mean the Credit
Agreement as amended hereby and (ii) to the "Loan Documents" shall be deemed to
include this Amendment; and (b) all references in the Credit Agreement to "this
Agreement," "hereto," "hereof," "hereunder" or words of like import referring to
the Credit Agreement shall mean the Credit Agreement as amended hereby.

        Section 3.2. Confirmation of Liens. Except for the release of the Lien
on the Borrower Headquarters created by the Deed of Trust, as authorized in
Section 2.3 above, the Liens granted pursuant to the Collateral Documents
secure, without limitation, the Obligations of the Borrower and its Subsidiaries
to the Lenders and the Administrative Agent under the Credit Agreement as
amended by this Amendment. The term "Obligations" as used in the Collateral
Documents (or any other term used therein to refer to the liabilities and
obligations of the Borrower and its Subsidiaries to the Lenders and the
Administrative Agent), include, without limitation, Obligations to the Lenders
and the Administrative Agent under the Credit Agreement as amended by this
Amendment.

        Section 3.3. Amendment. This Amendment shall be deemed to be an
amendment to the Credit Agreement and shall not be construed in any way as a
replacement or substitution therefor. All of the terms and conditions of, and
terms defined in, this Amendment are hereby incorporated by reference into the
Credit Agreement as if such terms and provisions were set forth in full therein.

        Section 3.4. Limited Consent. The consents in Article 2 are only
applicable and shall only be effective in the specific instance and for the
specific purpose for which made. Such consents are expressly limited to the
facts and circumstances and subject to the conditions referred to herein and
shall not operate (a) as a waiver of or consent to non-compliance with any other
Section or provision of the Credit Agreement or any other Loan Document, (b) as
a waiver of any right, power or remedy of either the Administrative Agent or any
Lender Party under the Credit Agreement or any other Loan Document or (c) as a
waiver of or consent to any Event of Default or Default under the Credit
Agreement or any other Loan Document.

ARTICLE 4. Effectiveness of Amendment.

        The amendment contained in Article 1 and the consents contained in
Article 2 shall be effective upon the execution and delivery of this Amendment
by the Borrower, each other Loan Party, the Administrative Agent and the
Required Lenders.

                                      -2-
<PAGE>

ARTICLE 5. Miscellaneous.

        Section 5.1. Continued Effectiveness. Except as specifically amended
herein, the Credit Agreement and each of the other Loan Documents shall remain
in full force and effect in accordance with their respective terms.

        Section 5.2. Governing Law. This Amendment shall be governed and
construed in accordance with the laws of the State of New York.

        Section 5.3. Severability. The provisions of this Amendment are
severable, and if any clause or provision shall be held invalid or unenforceable
in whole or in part in any jurisdiction, then such invalidity or
unenforceability shall affect only such clause or provision, or part thereof, in
such jurisdiction and shall not in any manner affect such clause or provision in
any other jurisdiction, or any other clause or provision in this Amendment in
any jurisdiction.

        Section 5.4. Counterparts. This Amendment may be signed in any number of
counterparts with the same effect as if the signatures thereto and hereto were
upon the same instrument. Delivery of an executed counterpart of this Amendment
by facsimile shall be as effective as delivery of an originally executed
counterpart.

        Section 5.5. Binding Effect; Assignment. This Amendment shall be binding
upon and inure to the benefit of the Borrower and its respective successors and
to the benefit of the Administrative Agent and the Lenders and their respective
successors and assigns. The rights and obligations of the Borrower under this
Amendment shall not be assigned or delegated without the prior written consent
of the Lenders, and any purported assignment or delegation without such consent
shall be void.

        Section 5.6. Expenses. The Borrower shall pay the Administrative Agent
upon demand for all reasonable expenses, including reasonable fees of counsel
for the Administrative Agent, incurred by the Administrative Agent in connection
with the preparation, negotiation and execution of this Amendment and any
documents required to be furnished herewith.

                            [Signature Pages Follow]

                                      -3-
<PAGE>

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

                                            PRIVATE BUSINESS, INC.,
                                            AS BORROWER

                                            By: /s/ Gerard M. Hayden, Jr.
                                                --------------------------
                                            Title: Chief Financial Officer
                                                   -----------------------

                                            ACKNOWLEDGED AND CONSENTED TO:

                                            PRIVATE BUSINESS INSURANCE, INC.
                                            PRIVATE BUSINESS CAPITAL, INC.
                                            PRIVATE BUSINESS PROCESSING, INC.
                                            TOWNE SERVICES, INC.
                                            BANKING SOLUTIONS, INC.
                                            BSI ACQUISITION CORP.
                                            IMAGING INSTITUTE, INC.
                                            FORSEON CORPORATION

                                            By: /s/ Gerard M. Hayden, Jr.
                                                -------------------------
                                            Title: Chief Financial Officer
                                                   -----------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 7 TO CREDIT AGREEMENT]

<PAGE>

                                            FLEET NATIONAL BANK,

                                            AS INITIAL ISSUING BANK,
                                            AS SWING LINE BANK,
                                            AS ADMINISTRATIVE AGENT AND
                                            AS LENDER

                                            By: /s/ Stephen M. Curran
                                                ---------------------
                                            Title: Director
                                                   ------------------

<PAGE>

                                            LASALLE BANK NATIONAL ASSOCIATION,
                                            AS LENDER

                                            By: /s/ Lisa A. Hopkins
                                                ---------------------------
                                            Title: Assistant Vice President
                                                   ------------------------

<PAGE>

                                            CITIZENS BANK OF MASSACHUSETTS,
                                            AS LENDER

                                            By:
                                                --------------------------------
                                            Title:
                                                  ------------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 7 TO CREDIT AGREEMENT]

<PAGE>

                                            PILGRIM PRIME RATE TRUST,
                                            AS LENDER

                                            By: Pilgrim Investments, Inc.,
                                            as its Investment Manager

                                            By:
                                               ---------------------------------
                                            Title:
                                                   -----------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 7 TO CREDIT AGREEMENT]
<PAGE>

                                            CREDIT LYONNAIS NEW YORK BRANCH,
                                            AS LENDER

                                            By:
                                                --------------------------------

                                            Title:
                                                  ------------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 7 TO CREDIT AGREEMENT]

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