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                                                                   EXHIBIT 10.45

          AMENDMENT TO LOAN AGREEMENT AND EXTENSION OF PROMISSORY NOTE

        THIS AMENDMENT TO LOAN AGREEMENT AND EXTENSION OF PROMISSORY NOTE (this
"Amendment") is dated as of January 12, 2001, but made effective only as of the
Effective Date defined herein, by and between FIRSTCITY HOLDINGS CORPORATION
(the "Borrower") and CFSC CAPITAL CORP. XXX (the "Lender").

                                    RECITALS

        The Borrower and the Lender have entered into a Loan Agreement dated as
of April 6, 2000 (the "Loan Agreement"), pursuant to which the Borrower has
issued a Promissory Note to the Lender dated as of April 6, 2000 (the "Note"),
evidencing debt in the amount of Seventeen Million Dollars ($17,000,000.00). The
Borrower has requested that the Lender extend the maturity date of the Note and
increase the maximum amount that the Lender will lend to the Borrower pursuant
to the Loan Agreement. The Lender has agreed to do so, on the terms and
conditions and for the consideration set forth herein.

        The capitalized terms used herein shall have the meanings prescribed in
the Loan Agreement, unless otherwise defined herein.

        NOW, THEREFORE, in consideration of the foregoing and of the mutual
promises and covenants contained herein, the parties hereto agree as follows:

        1.      Defined Terms. The definitions of the terms "Maturity Date" and
"Maximum Line" in the Loan Agreement are deleted in their entirety and replaced
with the following:

                "Maturity Date" shall mean March 31, 2002.

                "Maximum Line" shall mean Thirty Million Dollars
($30,000,000.00).

        2.      Extension of Promissory Note. The Maturity Date of the Note is
hereby extended to be the Maturity Date as defined pursuant to this Amendment.

        3.      Conditions to this Amendment/Effective Date. The Lender has
entered into a Subordination Agreement with Bank of Scotland ("BOS") dated as of
April 6, 2000, (the "Subordination Agreement") pursuant to which BOS agreed to
subordinate the "Subordinated Creditors' Liens" (as defined in the Subordination
Agreement) to the lien of the Lender pursuant to the Loan Agreement and the Loan
Documents in an amount not to exceed Seventeen Million Dollars ($17,000,000.00)
plus interest and fees, charges or expenses payable under the Loan Agreement.
Affiliates of the Lender and the Borrower have entered into a Right of First
Refusal Agreement and Due Diligence Reimbursement Agreement dated January 30,
1998, as amended by First Amendment dated February 16, 1999 and Second Amendment
dated as of April 6. 2000 (as amended, the "Frame Agreement") providing to
affiliates of Cargill Financial Services Corporation ("CFSC"), including without
limitation the Borrower, certain exclusive rights with respect to participation
in the purchase or other acquisition of certain assets, and providing for

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compensation by CFSC of the Servicer for certain expenses of due diligence in
connection with such purchases or acquisitions. It is a precondition to the
effectiveness of this Amendment that (a) the Subordination Agreement be amended
to obtain BOS's consent to the extension of the Maturity Date hereunder and to
increase the amount of the Lender's lien to which BOS's lien is subordinate to
accommodate the increase of the Maximum Line provided herein; and (b) the term
of the Frame Agreement be extended to March 31, 2002. The Effective Date of this
Amendment shall be the date on which all parties to the Subordination Agreement
and Frame Agreement have executed amendments thereto in form and content
acceptable to the Borrower and the Lender.

        3.      No Other Modifications/No Waivers. The Borrower and the Lender
agree that, except as provided herein, the terms and provisions of the Note, the
Loan Agreement, the Security Agreement and the other Loan Documents are not
modified or amended, and shall remain in full force and effect according to
their terms. The execution of this Amendment shall not be deemed to be a waiver
of any Event of Default under the Loan Agreement or breach, default or event of
default or termination event under any other Loan Document, whether or not known
to the Lender and whether or not existing on the date of this Amendment..

        4.      Representations and Warranties. All of the representations and
warranties contained in the Loan Agreement are correct on and as of the date
hereof as though made on and as of such date, except to the extent that such
representations and warranties relate solely to an earlier date.

        5.      Counterpart Execution. This Agreement may be executed in any
number of counterparts, each of which when so executed and delivered shall be
deemed an original and all of which counterparts, taken together, shall
constitute one and the same agreement.

                            [Signature Page Follows]

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        IN WITNESS WHEREOF, the parties hereto have executed this Amendment as
of the date first above written.

CFSC CAPITAL CORP. XXX              FIRSTCITY HOLDINGS CORPORATION

By:                                 By:
    -----------------------------       ------------------------------------
Name:                               Name:
      ---------------------------         ----------------------------------
Its:                                Its:
     ----------------------------        -----------------------------------

                 [Signature Page for Amendment to Loan Agreement
                        and Extension of Promissory Note]

                         [Consents of Guarantors Follow]

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CONSENTS OF GUARANTORS

                FIRSTCITY COMMERCIAL CORPORATION, FIRSTCITY MEXICO, INC., AND
FIRSTCITY INTERNATIONAL CORPORATION, each subsidiaries of the Borrower and
Guarantors pursuant to separate Guarantees of the Loan in favor of the Lender
dated as of April 6, 2000, hereby consent to the above Amendment to Loan
Agreement and Extension of Promissory Note.

        FIRSTCITY COMMERCIAL CORPORATION           Date:
                                                        -----------------

        By:
           -----------------------------
        Name:
             ---------------------------
        Its:
            ----------------------------

        FIRSTCITY MEXICO, INC.                     Date:
                                                        -----------------

        By:
           -----------------------------
        Name:
             ---------------------------
        Its:
            ----------------------------

        FIRSTCITY INTERNATIONAL CORPORATION        Date:
                                                        -----------------

        By:
           -----------------------------
        Name:
             ---------------------------
        Its:
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                                                                   EXHIBIT 10.46

               SECOND AMENDMENT TO RECEIVABLES FINANCING AGREEMENT

        SECOND AMENDMENT, dated as of February 16, 2001 (this "Amendment"), to
the RECEIVABLES FINANCING AGREEMENT, dated as of August 18, 2000 (as previously
amended, supplemented or modified, the "Existing Agreement"; and as amended by
this Amendment, the "Agreement"), among Drive BOS LP, a Delaware limited
partnership (the "Borrower"), Drive Financial Services LP, a Delaware limited
partnership, in its individual capacity ("Drive") and as Initial Servicer, the
Lenders party thereto, IFA Incorporated ("IFA"), as agent (in such capacity, the
"Agent") for the Lenders and as Collateral Agent (in such capacity, the
"Collateral Agent"), and Wells Fargo Bank Minnesota, National Association, a
national banking association, as Custodian.

                              W I T N E S S E T H :

                WHEREAS, the parties wish to increase the amount of the facility
and extend the maturity thereof;

                NOW, THEREFORE, it is agreed:

                Section 1. Definitions. Terms used in this Amendment which are
defined in the Existing Agreement shall have the meanings specified therein
(unless otherwise defined herein) and shall include in the singular number the
plural and in the plural number the singular.

                Section 2. Amendments. Upon the Amendment Effective Date (as
defined in Section 3 below):

                2.1 Commitment. The Commitment of IFA Incorporated is hereby
amended to be $150,000,000.

                2.2 Amended Definition. Section 1.1 of the Agreement is amended
by deleting the definition of "Commitment Termination Date" in its entirety and
substituting, in lieu thereof, the following:

                        "Commitment Termination Date" means February 15, 2002,
                as such date may be extended from time to time as mutually
                agreed in writing between the Borrower, the Servicer, the Agent
                and the Lenders.

                2.3 Facility Limit. Section 1.1 of the Agreement is amended by
deleting the definition of "Facility Limit" and substituting, in lieu thereof,
the following:

                        "Facility Limit" means, on any day, (a) the lesser of
                (x) $150,000,000 and (y) the Total Commitment in effect on such
                day, as such amount may be reduced pursuant to Section 2.5 minus
                (b) any outstanding LOC Obligations. References to the unused
                portion of the Facility Limit shall mean, at any time, the
                Facility Limit, as then reduced pursuant to Section 2.5, minus
                the sum of the then outstanding principal amount of Advances
                under this Agreement.

                Section 3. Conditions Precedent.

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                The amendments provided for by this Amendment shall become
effective on the date (the "Amendment Effective Date") on which the following
conditions precedent shall satisfied to the satisfaction of the Lenders or
waived:

                3.1 Default, etc. On the Amendment Effective Date, there shall
exist no Facility Termination Event or Unmatured Facility Termination Event and
all representations and warranties made by the Borrower, the Seller and the
Servicer herein, in the Agreement or in the other Transaction Documents or
otherwise made by the Borrower, the Seller and the Servicer in writing in
connection herewith or therewith shall be true and correct in all material
respects with the same effect as though such representations and warranties have
been made at and as of such time except to the extent such representations and
warranties were made only as of a specific date.

                3.2 Documents. On the Amendment Effective Date, the Agent shall
have received this Amendment executed and delivered by each of the parties
hereto.

                3.3 Approvals and Consents. All orders, permissions, consents,
approvals, licenses, authorizations and validations of, and filings, recordings
and registrations with, and exemptions by, any Government Authority, or any
other Person, required to authorize or required in connection with the
execution, delivery and performance of this Amendment and the transactions
contemplated hereby by any of the Borrower, the Seller and the Servicer shall
have been obtained (and, if so requested, furnished to the Agent, with
sufficient copies for the Lenders).

                3.3 Facility Fee. On the Amendment Effective Date, the Agent
shall have received from the Borrower in immediately available funds a facility
fee of $25,000.

                Section 4. Representations and Warranties. The Borrower hereby
confirms and reaffirms its representations and warranties contained in of the
Existing Agreement; provided, however, that reference therein to the
"Transaction Documents" shall be to the definition of Transaction Documents as
amended hereby.

                Section 5. Agreement in Full Force and Effect as Amended. Except
as specifically amended hereby, all of the terms and conditions of the Agreement
shall remain in full force and effect. All references to the Agreement in any
other document or instrument shall be deemed to mean the Agreement as amended by
this Amendment. This Amendment shall not constitute a novation of the Agreement,
but shall constitute an amendment thereof.

                Section 6. Counterparts. This Amendment may be executed in any
number of counterparts and by separate parties hereto on separate counterparts,
each of which when executed shall be deemed an original, but all such
counterparts taken together shall constitute one and the same instrument.

                Section 7. Governing Law. THIS AMENDMENT SHALL BE GOVERNED BY,
AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW
YORK.

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

                                    DRIVE BOS LP
                                    By: Drive BOS GP LLC, its general partner

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

                                    DRIVE FINANCIAL SERVICES LP
                                    By: Drive GP LLC, its general partner

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

                                    IFA INCORPORATED, as Agent and Collateral
                                      Agent

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

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                                    WELLS FARGO BANK MINNESOTA
                                            NATIONAL ASSOCIATION,
                                            as Custodian

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

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