Document:

<PAGE>
                                                                   Exhibit 10.21

                                SECOND AMENDMENT
                             TO THE CREDIT AGREEMENT
                             -----------------------

                  SECOND AMENDMENT, dated as of July 23, 2002 (this
"AMENDMENT"), to the Credit Agreement, dated as of February 19, 2002 (as
amended, restated, supplemented or otherwise modified from time to time, the
"CREDIT AGREEMENT"), by and among Davel Financing Company, L.L.C., a Delaware
limited liability company (the "Davel Borrower"), PhoneTel Technologies, Inc.,
an Ohio corporation ("PhoneTel"), Cherokee Communications, Inc., a Texas
corporation ("Cherokee", and together with PhoneTel, collectively the "PhoneTel
Borrowers" and individually a "PhoneTel Borrower"), Davel Communications, Inc.,
a Delaware corporation (the "Davel Parent"), each of the Domestic Subsidiaries
(as defined herein) of any Borrower or the Davel Parent, Madeleine L.L.C., a
Delaware limited liability company ("Madeleine") and ARK CLO 2000-1, Limited, a
Cayman Islands entity ("ARK" and together with Madeleine and each of their
respective successors and permitted assigns, the "Lenders").

                                    PREAMBLE

                  The Borrowers and Guarantors have requested an amendment to
the Minimum EBITDA and the Minimum Adjusted EBITDA covenants set forth in
Section 6.01(b) of the Credit Agreement. Accordingly, the parties hereto hereby
agree as follows:

         1. INCORPORATED DEFINITIONS. Any capitalized term used herein which is
defined in the Credit Agreement and not otherwise defined herein shall have the
meaning assigned to it in the Credit Agreement.

         2. AMENDMENTS. (a) Section 6.01(b)(ii) of the Credit Agreement is
hereby amended by (i) deleting the Minimum EBITDA amounts for the months of July
2002 through June 2003 and (ii) inserting the following Minimum EBITDA amounts
for the appropriate months as indicated below:

                        PERIOD ENDING                   EBITDA
                        -------------                   ------
                        July, 2002                $       1,219,000
                        August, 2002                      3,582,000
                        September, 2002                   5,346,000
                        October, 2002                     6,180,000
                        November, 2002                    6,642,000
                        December, 2002                   10,186,000
                        January, 2003                    10,701,000
                        February, 2003                   11,098,000
                        March, 2003                      13,125,000
                        April, 2003                      14,207,000
                        May, 2003                        15,506,000
                        June, 2003                       18,065,000

          (b) Section 6.01(b)(iii) of the Credit Agreement is hereby amended by
(i) deleting the Minimum Adjusted EBITDA amounts for the months of July 2002
through June 2003 and (ii)

<PAGE>

inserting the following Minimum Adjusted EBITDA amounts for the appropriate
months as indicated below:

                        PERIOD ENDING                  EBITDA
                        -------------                  ------
                        July, 2002               $   (3,761,000)
                        August, 2002                 (2,633,000)
                        September, 2002                (477,000)
                        October, 2002                   444,000
                        November, 2002                  906,000
                        December, 2002                1,733,000
                        January, 2003                 2,248,000
                        February, 2003                2,645,000
                        March, 2003                   3,471,000
                        April, 2003                   4,554,000
                        May, 2003                     5,853,000
                        June, 2003                    7,211,000

         3. CONDITIONS. This Amendment shall become effective only upon
satisfaction in full of the following conditions precedent (the first date upon
which all such conditions shall have been satisfied being herein called the
"AMENDMENT EFFECTIVE DATE");

            a) The representations and warranties contained in this Amendment
and in Article V of the Credit Agreement and each other Loan Document shall be
correct in all material respects on and as of the Amendment Effective Date as
though made on and as of such date (except where such representations and
warranties relate to an earlier date in which case such representations and
warranties shall be true and correct as of such earlier date).

            b) No Default or Event of Default or, shall have occurred and be
continuing on the Amendment Effective Date or result from this Amendment
becoming effective in accordance with its terms.

            c) The Lenders shall have received counterparts of this Amendment
which bear the signatures of the Borrowers and the Guarantors.

            d) All legal matters incident to this Amendment shall be
satisfactory to the Lenders and their counsel.

         4. REPRESENTATIONS AND WARRANTIES. To induce the Lenders to enter into
this Amendment, each Credit Party hereby represents and warrants to the Lenders
as follows:

            (a) ORGANIZATION, GOOD STANDING, ETC. Each Credit Party (i) is a
corporation, limited liability company or limited partnership duly organized,
validly existing and in good standing under the laws of the state or
jurisdiction of its organization, (ii) has all requisite power and authority to
conduct its business as now conducted and as presently contemplated, and to
execute and deliver this Amendment, and to consummate the transactions
contemplated hereby and by the Credit Agreement, as amended hereby, and (iii) is
duly qualified to do business and is

<PAGE>

in good standing in each jurisdiction in which the character of the properties
owned or leased by it or in which the transaction of its business makes such
qualification necessary, except in the case of clause (iii) where the failure to
be so qualified would not reasonably be expected to have a Material Adverse
Effect.

            (b) AUTHORIZATION, ETC. The execution, delivery and performance of
this Amendment and each other Loan Document being executed in connection with
this Amendment by each Credit Party that is a party thereto, and the performance
of the Credit Agreement as amended hereby (i) have been duly authorized by all
necessary action, (ii) do not and will not contravene such Credit Party's
charter or by-laws, its limited liability company or operating agreement or its
certificate of partnership or partnership agreement, as applicable, or any
applicable law or any material contractual restriction binding on or otherwise
affecting it or any of its properties, (iii) do not and will not result in or
require the creation of any Lien (other than pursuant to any Loan Document) upon
or with respect to any of its properties, and (iv) do not and will not result in
any default, noncompliance, suspension, revocation, impairment, forfeiture or
nonrenewal of any material permit, license, authorization or approval applicable
to its operations or any of its properties.

            (c) GOVERNMENTAL APPROVALS. No authorization or approval or other
action by, and no notice to or filing with, any Governmental Authority or other
regulatory body is required in connection with the due execution, delivery and
performance by such Credit Party of this Amendment or any other Loan Document to
which it is a party being executed in connection with this Amendment, or for the
performance of the Credit Agreement, as amended hereby.

            (d) ENFORCEABILITY OF LOAN DOCUMENTS. Each of this Amendment, the
Credit Agreement, as amended hereby, and each other Loan Document to which such
Credit Party is a party is a legal, valid and binding obligation of such Credit
Party, enforceable against such Credit Party in accordance with its terms,
except as such enforceability may be limited by applicable bankruptcy,
insolvency, reorganization, moratorium or other similar laws of general
application relating to the enforcement of creditor's rights and by general
equitable principles.

            (e) REPRESENTATIONS AND WARRANTIES; NO EVENT OF DEFAULT. The
representations and warranties herein, in Article V of the Credit Agreement and
in each other Loan Document, certificate or other writing delivered on or on
behalf of any Credit Party to the Collateral Agent or any Lender pursuant to the
Credit Agreement or any other Loan Document on or prior to the Amendment
Effective Date are true and correct on and as of the Amendment Effective Date as
though made on and as of such date (except where such representations and
warranties relate to an earlier date in which case such representations and
warranties shall be true and correct as of such earlier date), and no Default or
Event of Default has occurred and is continuing as of the Amendment Effective
Date or would result from this Amendment becoming effective in accordance with
its terms.

         5. COSTS AND EXPENSES. The Credit Parties agree to pay upon demand all
reasonable expenses, including reasonable attorneys' and legal assistants' fees,
all recording fees and charges, or other fees or charges incurred by the Lenders
in connection with the preparation, negotiation and execution of this Amendment
and all documents related thereto and any document required to be furnished
herewith.

                                       3
<PAGE>

         6. CONTINUED EFFECTIVENESS OF THE CREDIT AGREEMENT AND LOAN DOCUMENTS.
Each Credit Party hereby (a) acknowledges and consents to this Amendment, (b)
confirms and agrees that each Loan Document to which it is a party is, and shall
continue to be, in full force and effect and is hereby ratified and confirmed in
all respects except that on and after the date hereof all references in any such
Loan Document to "the Credit Agreement", "thereto", "thereof", "thereunder" or
words of like import referring to the Credit Agreement shall mean the Credit
Agreement as amended by this Amendment, and (c) confirms and agrees that to the
extent that any such Loan Document purports to assign or pledge to the
Collateral Agent, or to grant a security interest in or lien on, any collateral
as security for the obligations of the Borrowers from time to time existing in
respect of the Credit Agreement, such pledge, assignment or grant of the
security interest or lien is hereby ratified and confirmed in all respects.

         7. MISCELLANEOUS.

                 (a) This Amendment may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which shall be deemed to be an original, but all of which taken together shall
constitute one and the same agreement. Delivery of an executed counterpart by
telefacsimile shall be equally effective as delivery of an original executed
counterpart of this Amendment. Any party delivering an executed counterpart of
this Amendment also shall deliver an original executed counterpart of this
Amendment, but the failure to deliver an original executed counterpart shall not
affect the validity, enforceability and binding effect of this Amendment.

                  (b) Section and paragraph headings herein are included for
convenience of reference only and shall not constitute a part of this Amendment
for any other purpose.

                  (c) THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK APPLICABLE TO CONTRACTS MADE
AND TO BE PREPARED IN THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICTS OF LAW
PRINCIPLES.

                  (d) Any provision of this Agreement that is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of such prohibition or unenforceability without invalidating the
remaining portions hereof or affecting the validity or enforceability of such
provision in any other jurisdiction.

                                       4
<PAGE>

                 IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be executed and delivered as of the date set forth on the first
page hereof.

BORROWERS:                    DAVEL FINANCING COMPANY, L.L.C.,
---------
                              a Delaware limited liability company

                              By:  DAVEL COMMUNICATIONS, INC.,
                                       its sole managing member

                                    By:    /s/Bruce W. Renard
                                    ---------------------------
                                         Name:  Bruce W. Renard
                                         Title:  President

                              PHONETEL TECHNOLOGIES, INC.,
                              an Ohio corporation

                              By:    /s/John D. Chichester
                                    ---------------------------
                                    Name:  John D. Chichester
                                    Title:  Chief Executive Officer & President

                              CHEROKEE COMMUNICATIONS, INC.,
                              a Texas corporation

                              By:    /s/John D. Chichester
                                    ---------------------------
                                    Name:  John D. Chichester
                                    Title:  Chief Executive Officer & President

DAVEL PARENT GUARANTOR:       DAVEL COMMUNICATIONS, INC.,
-----------------------       a Delaware corporation

                                    By: /s/Bruce W. Renard
                                    ---------------------------
                                        Name:  Bruce W. Renard
                                        Title:  President

SUBSIDIARY GUARANTORS:        DAVEL COMMUNICATIONS GROUP, INC.,
----------------------        an Illinois corporation

                              ADTEC COMMUNICATIONS, INC.,
                              a Florida corporation

                              CENTRAL PAYPHONE SERVICES, INC.,
                              a Georgia corporation

                              COMMUNICATIONS CENTRAL INC.,
                              a Georgia corporation
<PAGE>

                              COMMUNICATIONS CENTRAL OF GEORGIA, INC.,
                              a Georgia corporation

                              DAVEL COMMUNICATIONS GROUP, INC.,
                              an Illinois corporation

                              DAVEL MEDIA, INC.,
                              a Delaware corporation

                              DAVEL MEXICO, LTD.,
                              an Illinois corporation

                              DAVELTEL, INC.,
                              An Illinois corporation

                              DF MERGER CORP.,
                              a Delaware corporation

                              INTERSTATE COMMUNICATIONS, INC.,
                              a Georgia corporation

                              INVISION TELECOM, INC.,
                              a Georgia corporation

                              PEOPLES ACQUISITION CORPORATION,
                              a Pennsylvania corporation

                              PEOPLES COLLECTORS, INC.,
                              a Delaware corporation

                              PEOPLES TELEPHONE COMPANY, INC.,
                              a New York corporation

                              PEOPLES TELEPHONE COMPANY, INC.,
                              a New Hampshire corporation

                              PT MERGER CORP.,
                              an Ohio corporation

                              PTC CELLULAR, INC.,
                              a Delaware corporation

                              PTC SECURITY SYSTEMS, INC.,
                              a Florida corporation
<PAGE>

                              SILVERADO COMMUNICATIONS   CORP.,
                              a Colorado corporation

                              TELALEASING ENTERPRISES, INC.,
                              an Illinois corporation

                              T.R.C.A., INC.
                              an Illinois corporation

                              By:    /s/Bruce W. Renard
                                -----------------------------
                                     Name:  Bruce W. Renard
                                     Title:  President

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

<PAGE>

LENDERS:                            MADELEINE L.L.C.
-------

                                    By:    /s/Kevin Genda
                                       --------------------------------
                                             Name:  Kevin Genda
                                             Title:  V.P.

                                    ARK CLO 2000-1, LIMITED

                                    BY:      PATRIARCH PARTNERS, LLC
                                             ITS COLLATERAL MANAGER

                                             By:    /s/Lynn Tilton
                                                -----------------------
                                                 Name:  Lynn Tilton
                                                 Title:  Authorized Signatory

                                    ARK INVESTMENT PARTNERS II, L.P.

                                    BY:      PATRIARCH PARTNERS III, LLC
                                             ITS INVESTMENT ADVISOR

                                    By:    /s/Lynn Tilton
                                       --------------------------------
                                           Name: Lynn Tilton
                                           Title:  Authorized Signatory<PAGE>

                                                                EXHIBIT 10.29.3
                              THIRD AMENDMENT TO
                     REVOLVING CREDIT, TERM LOAN, CAPITAL
               EXPENDITURE LOAN, GUARANTY AND SECURITY AGREEMENT

Preamble.  THIS THIRD AMENDMENT TO REVOLVING CREDIT, TERM LOAN, CAPITAL
EXPENDITURE LOAN, GUARANTY AND SECURITY AGREEMENT (hereinafter, together with
all schedules and exhibits hereto, and any supplements, additions,
modifications or amendments thereto made from time to time called the "Third
Amendment"), dated as of June 3, 2002 (the "Third Amendment Date"), is made by
and among HLM DESIGN, INC., a Delaware corporation, as borrower ("Borrower");
all those parties identified in the Credit Agreement (defined below) as the
"Affiliate Guarantors" (the "Affiliate Guarantors"); IBJ WHITEHALL BUSINESS
CREDIT CORPORATION, a New York corporation (hereinafter, together with its
successors and permitted assigns, called "IBJW "), as sole Lender thereunder
and as agent for all Lenders from time to time party thereto and any Issuer
(IBJW, in such capacity, the "Agent").

   The Borrower, and the Affiliate Guarantors (collectively, the "Obligors"),
and IBJW (the foregoing parties herein sometimes collectively called the
"Parties" and individually called a "Party") are parties to a certain Revolving
Credit, Term Loan, Capital Expenditure Loan, Guaranty and Security Agreement,
dated as/-/ of February 7, 2000 (which is, as amended to date, including
pursuant to this Third Amendment,. called herein the "Credit Agreement",
pursuant to which, among other things, IBJW, as sole Lender; agreed to extend
credit and other financial accommodations to the Borrower.

   The Parties have agreed to modify and amend the Credit Agreement in the
manner, and subject to the terms and conditions, set forth herein below.

   NOW, THEREFORE, in consideration of the foregoing premises, the mutual
covenants herein contained, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby mutually acknowledged, the Parties,
each intending to be legally bound, hereby agree as follows:

   SECTION 1.  Definitions.  Capitalized terms used in this Third Amendment and
not defined herein are defined in the Credit Agreement.

   SECTION 2.  Amendments.  The Credit Agreement shall be amended as follows:

      (a)  Supplemental Availability.  During the period between the Amendment
   Date and October 31, 2002 (the "End Date"), the Formula Amount, determined
   pursuant to Section 2.1(a) of the Credit Agreement shall be increased (such
   increase herein called "Supplemental Availability") as follows: by $500,000,
   initially; permanently reducing to $400,000, on August 1, 2002; permanently
   reducing further, to $300,000, on September l, 2002; and permanently
   reducing further, to zero (0), on the End Date; provided, however, that the
   otherwise then effective amount of Supplemental Availability as prescribed
   hereinabove shall be further and permanently reduced, dollar-for-dollar, by
   any of the following occurring between the Amendment Date and the End Date:
   (A) any payment received by Borrower in respect of any account receivable
   owing by, Rush Presbyterian on the Amendment Date, and (B) the proceeds of
   any equity offering made by Borrowers so long as and to the extent that, the
   amount derived from clauses (A) and (B), either individually or in the
   aggregate, exceeds $500,000; provided, further, that Supplemental
   Availability shall be permanently reduced to zero (0) on August 15, 2002,
   unless, on or before such date, the Borrower has obtained either (1)
   agreements in writing from at least three (3) of the four (4) holders of
   Seller Notes listed on Schedule "A" attached hereto rescheduling the
   Indebtedness scheduled to be paid to such holders thereunder on or about
   October 30, 2002, on terms satisfactory to the Agent and approved in writing
   by it, or (2) at least $2,000,000 in cash from any equity offering made
   during the period between the Third Amendment Date and the End Date, to be
   used, in part, to pay such Indebtedness.

      (b)  Change to EBITDA Covenant.  Section 6.10A of the Credit Agreement is
   deleted effective on the Third Amendment Date, and the following revised
   Section 6.10A is substituted in its place:

<PAGE>

          6.10A  EBITDA.  During the period from the fiscal month of Borrower
       ending closest to May 31, 2002 through the fiscal month of Borrower
       ending closest to October 31, 2002, EBITDA, determined on a cumulative
       basis shall be at least the following amounts:

<TABLE>
<CAPTION>
                                               EBITDA (cumulative
                                            from fiscal month ending
            Fiscal Month Ending Closest to: closest to May 31, 2002)
            ------------------------------- ------------------------
            <S>                             <C>
                  May 31, 2002.............        $  250,000
                  June 30, 2002............        $  500,000
                  July 31, 2002............        $  800,000
                  August 31, 2002..........        $1,100,000
                  September 30, 2002.......        $1,350,000
                  October 31, 2002.........        $1,650,000
</TABLE>

   Section 6. l 0A of the Credit Agreement, as it existed prior to the Third
   Amendment Date, shall continue to be binding on Borrower, for all fiscal
   periods prior to May 31, 2002 referenced therein.

   SECTION 3.  Waiver of Claims.  As a. specific inducement to the other
Parties without which the Obligors acknowledge the other Parties would not
enter into this Third Amendment, the Borrowers hereby waive any and all claims
that it may have against any other Party, as of the date hereof, arising out of
or relating to the Credit Agreement or any Other Document whether sounding in
contract, tort, or any other basis.

   SECTION 4.  Conditions of Effectiveness.  This Third Amendment shall become
effective on the Third Amendment Date. Borrower shall pay to IBJW a fully
earned, nonrefundable amendment fee equal to $25,000 on the Third Amendment
Date.

   SECTION 5.  Miscellaneous.

      5.1  Reference to Credit Agreement.  Upon the effectiveness of this Third
   Amendment, each reference in the Credit Agreement to "this Credit Agreement"
   and each reference in the Other Documents to the Credit Agreement, shall
   mean and be a reference to the Credit Agreement as amended hereby.

      5.2  Effect on Other Documents.  Except as specifically amended above,
   all terms of the Credit Agreement and all Other Documents shall remain in
   full force and effect and are hereby ratified and confirmed.

      5.3  No Waiver.  The execution, delivery and effectiveness of this Third
   Amendment shall not operate as a waiver of any right, power; or remedy of
   Lenders or the Agents under any of the Other Documents, nor constitute a
   waiver of any provision of any of the Other Documents.

      5.4  Costs, Expenses and Taxes.  The Borrowers agrees to pay on demand
   all costs and expenses of IBJW in connection with the preparation,
   reproduction, execution, and delivery of this Third Amendment and the other
   instruments and documents to be delivered hereunder, including the
   reasonable fees and out-of-pocket expenses of counsel for IBJW with respect
   hereto.

      5.5  No Novation.  Nothing contained herein intended, or shall be
   construed, to constitute a novation to the Credit Agreement or any Other
   Document.

      5.6  Governing Law.  This Third Amendment shall be governed by and
   construed in accordance with the laws of the State of New York, without
   giving affect to conflict of law provisions.

                                      2

<PAGE>

      5.7  Counterparts.  This Third Amendment may be executed in counterparts.
   Each counterpart shall bind the Party or Parties executing same. All
   counterparts, taken together, shall constitute one and the same agreement.

   IN WITNESS WHEREOF, the Parties have caused this Third Amendment to be duly
executed, under seal, by their respective authorized officers as of the day and
year first above written.

                                          IBJ WHITEHALL BUSINESS CREDIT
                                          CORPORATION, as Lender and as Agent
                                          (SEAL)

                                           By:        /S/  JOSEPH J. ZAUTRA
                                                  -----------------------------
                                           Name:        Joseph J. Zautra
                                                  -----------------------------
                                           Title:        Vice President
                                                  -----------------------------

                                          HLM DESIGN, INC., as Borrower and
                                            Borrowing
                                          Agent

                                           By:       /S/  VERNON B. BRANNON
                                                  -----------------------------
                                           Name:        Vernon B. Brannon
                                                  -----------------------------
                                           Title:            COO/CFO
                                                  -----------------------------

                                          JPJ ARCHITECTS, INC., as Affiliate
                                            Guarantor

                                           By:       /S/  VERNON B. BRANNON
                                                  -----------------------------
                                           Name:        Vernon B. Brannon
                                                  -----------------------------
                                           Title:    VP/Secretary/Treasurer
                                                  -----------------------------

                                          HLM DESIGN USA, INC., as Affiliate
                                            Guarantor

                                           By:       /S/  VERNON B. BRANNON
                                                  -----------------------------
                                           Name:        Vernon B. Brannon
                                                  -----------------------------
                                           Title:    VP/Secretary/Treasurer
                                                  -----------------------------

                                      3

<PAGE>

                                          HLM DESIGN ARCHITECTURE
                                          ENGINEERING AND PLANNING, P.C., as
                                          Affiliate Guarantor

                                           By:       /S/  VERNON B. BRANNON
                                                  -----------------------------
                                           Name:        Vernon B. Brannon
                                                  -----------------------------
                                           Title:    VP/Secretary/Treasurer
                                                  -----------------------------

                                          HLM DESIGN OF NORTHAMERICA, INC., as
                                          Affiliate Guarantor

                                           By:       /S/  VERNON B. BRANNON
                                                  -----------------------------
                                           Name:        Vernon B. Brannon
                                                  -----------------------------
                                           Title: Senior VP/CFO/Asst. Secretary
                                                  -----------------------------

                                          SOTA SOFTWARE SYSTEMS, INC., as
                                            Affiliate
                                          Guarantor

                                           By:       /S/  VERNON B. BRANNON
                                                  -----------------------------
                                           Name:        Vernon B. Brannon
                                                  -----------------------------
                                           Title:    VP/Secretary/Treasurer
                                                  -----------------------------

                                          ACKNOWLEDGED AND CONSENTED TO
                                          AS INDIVIDUAL GUARANTORS:

                                          The undersigned acknowledge and
                                          consent to the foregoing in respect
                                          of their pre-existing guaranties,
                                          provided that their liabilities
                                          thereunder shall not be increased
                                          hereby.

                                                 /S/  VERNON B. BRANNON
                                          --------------------------------------
                                          VERNON B. BRANNON,
                                          Individually

                                                  /S/  JOSEPH M. HARRIS
                                          --------------------------------------
                                          JOSEPH M. HARRIS,
                                          Individually

                                      4

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