Document:

EXHIBIT 10.1

                                 LOAN AGREEMENT

     This Loan  Agreement  made this 22nd day of December  2003,  by and between
XRG,  INC., a Delaware  Corporation,  and  OWNERSHIP,  having an address at 5301
Cypress  St.,  Suite  111,  Tampa,  FL 33607  (collectively  referred  to as the
"Company"),  and The Fortius  Foundation  Fund,  L.P.,  having an address at 590
Madison Avenue - 21st Floor, New York, New York 10022, (the "Lender").

                              W I T N E S S E T H:

         WHEREAS, the Company is a business described as a Truckload Carrier
Consolidator  and is the owner of  fixtures,  equipment,  goods,  inventory  and
products located at the business address.

         WHEREAS, Lender is herewith extending a loan to Company in the
principal amount of Three Hundred Fifty Thousand ($350,000.00) Dollars which
loan is evidenced by the execution and delivery to Lender of a Promissory Note,
of even date herewith (the `Promissory Note") and a Guaranty (the "Guaranty"),
of even date herewith, guaranteeing the obligations of the Company to the Lender
under this Loan Agreement in which Lender agrees to make a term loan in the
amount of Three Hundred Fifty Thousand ($350,000.00) Dollars to the Company.

         WHEREAS, the Lender's obligation to make the loan is subject to the
condition, inter alia, that repayment thereof also be secured by a lien on
Company's equipment, property and fixtures pursuant to a UCC-1 financing
statement of even date.

         NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, and as security for the payment to Lender of any sums which may
become due under the Promissory Note and Guaranty with interest, as therein
provided for, and all other indebtedness arising under the Promissory Note and
Guaranty and this Loan Agreement, according to their respective terms and
conditions and for performance of the agreements, conditions, covenants,
provisions and stipulations contained herein and therein, the Company hereby
further grants and conveys to Lender:

         1. The Loan is a bridge financing with a term of three (3) months
renewable for three (3) additional periods commencing with the end of the first
term. The loan will carry an interest rate of 12% per annum payable on a
pro-rate basis at the end of each term. Said interest is a condition of renewal
of the loan term.

         2. Company further represents, warrants, covenants and agrees with the
Lender as follows:

<PAGE>

                  (a) Payment of indebtedness. Company shall pay the
indebtedness at the time and place and in the manner as specified in the
Promissory Note and Guaranty and shall perform all of the obligations as
specified therein. Said payment shall be made from the first of either an equity
financing as committed by Equitex Venture Group through its fund, the Fortius
Income and Growth Fund; the refinancing of the company debt position; the
investment of any outside investor in excess of $500,000; or, the full term of
the loan which shall be no greater than 90 days from the execution of this
agreement.

                  (b) Compliance. Company shall promptly comply with, or cause
to be complied with, and conform to all present and future laws, statutes,
codes, ordinances, orders, judgments, decrees, rules, regulations and
requirements of every Governmental authority.

                  (c ) Company, as of this date, shall not by act or omission
impair the integrity of any part of the business which could result in a
violation or diminish the value of the Company and its assets.

                  (d) Company shall, for so long as the indebtedness remains
unpaid, keep the Premises insured against loss or damage by fire, lightening or
public liability, demolition and by such other further and additional risks and
hazards as now are or hereafter may be covered by standard coverage and "all
risk" endorsements.

                  (e) Company shall pay when due and payable and before interest
and penalties are due thereon, without any deduction, defalcation or abatement,
all taxes and all other charges or claims which may be properly assessed, levied
or filed against the Company.

         3. Required Notices. Company, during the pendency of its indebtedness
to Lender, shall notify Lender promptly of the occurrence of any of the
following:

                  (a) fire or other casualty.

                  (b) substantial financial change in the business of the
Company.

                  (c) commencement of any litigation affecting the assets of the
Company.

         4. Default; Remedies.

                  (a) It shall constitute an Event of Default under this Loan
Agreement if any of the following shall occur:

                      (i) default in payment pursuant to the terms of the
Promissory Note.

                     (ii) default in payment pursuant to the Guaranty.

                     (iii) default in the performance of any other covenant,
condition, representation or
warranty of this Loan Agreement for a period of thirty (30) days or more.

<PAGE>

                  (b) Upon the occurrence of any Event of Default, as herein
defined, or a material breach of a warranty or representation under the
Promissory Note or Guaranty, all sums secured by this Loan Agreement shall
become immediately due and payable, at the option of Lender, without notice or
demand, and to the extent permitted by law:

                     (i) Lender may commence an appropriate action to recover
any sums  required  to be paid by the  Company  under  the  terms  of this  Loan
Agreement, the Promissory Note or the Guaranty.

                     (ii) Lender may proceed against the personal property,
fixtures,  equipment,  goods and inventory of the Company in accordance with the
terms of the UCC-1 Financing  Statement and provisions of the Uniform Commercial
Code.

         5. Rights and Remedies Cumulative. The rights and remedies of Lender as
provided in this Loan Agreement and ancillary documents shall be cumulative and
concurrent; may be pursued separately, successively or together against the
Company or its assets at the sole direction of Lender. The failure to exercise
any such right or remedy shall in no event be construed as a waiver or release
thereof.

         6. Counsel Fees. If Lender becomes a party to any necessary suit or
proceeding related to this Loan Agreement, the Promissory Note, the Guaranty or
the UCC-1 Financing Statement, then reasonable costs, expenses and counsel fees
shall be borne by the Company and shall be deemed to be part of the indebtedness
herein.

         7. Further Assurances. Company will execute and deliver such further
instruments and perform such further acts as may be reasonably requested by
Lender from time to time to confirm the provisions of this Loan Agreement.

         8. Communications and Notices. All communications and notices required
under this Loan Agreement shall be in writing and shall be sent by personal
service or certified or registered mail, postage prepaid, return receipt
requested, addressed to the parties at the addresses listed above, or to such
other addresses as may be specified by like notice to the other party.
Communications and notices hereunder shall be deemed to have been given on the
date it is delivered, in the case of personal service, or on the date it is
received, in the case of certified or registered mail.

         9. Governing Law. All parties herein intend that the validity and
construction of this Loan Agreement with ancillary documents incorporated herein
be governed by the laws of the State of New York.

         10. Captions. The captions preceding the text of the paragraphs or
subparagraphs of this Mortgage are inserted only for convenience of reference
and shall not constitute a part of this Loan Agreement, nor shall they in any
way affect its meaning, construction or effect.

<PAGE>

         IN WITNESS WHEREOF, this Loan Agreement has been duly executed by the
parties herein on the day and year first above written.

                                            XRG, INC.
In presence of:
                                            By:_______________________

                                            ---------------------------

                                            ---------------------------
                                            Philip Capolongo
                                            Managing Director
                                            For and on behalf of
                                            The Fortius Foundation Fund, L.P.
                                            LenderEXHIBIT 10.2

                                 PROMISSORY NOTE
$350,000.00                                                    December 22, 2003

                  FOR VALUE RECEIVED, the undersigned (Maker) promises to pay to
the order of The Fortius Foundation Fund (Payee), at its address, 590 Madison
Avenue, New York, New York 10022, the principal sum of THREE HUNDRED FIFTY
THOUSAND ($350,000.00) DOLLARS, together with interest thereon at the rate of
twelve (12%) per annum. at the rate hereinafter provided for on the unpaid
principal balance of this note from time to time outstanding until paid in full.
The entire principal and interest shall be due and payable in part on a pro-rata
basis at the end of the three month term on March 22, 2003.

                  This note shall, at the option of the holder, become
immediately due and payable, without notice or demand, upon the happening of any
one of the following specified events, with respect to the Maker hereof: (a)
failure for ten (10) days to pay any amount as herein agreed, (b) default in the
performance of any other obligation to the holder hereof, (c) insolvency of the
Maker hereof, (insolvency being defined herein as the inability to pay
liabilities at normal maturity, or an excess of total liabilities over total
assets, or both), (d) the making of a general assignment for the benefit of
creditors, (e) the filing of any petition or the commencement of any proceeding
by or against the Maker or any guarantor for any relief under any bankruptcy, or
insolvency laws or any laws related to the relief of debtors, readjustment of
indebtedness, reorganizations, composition or extensions, (f) the appointment of
a receiver of, or the issuance or making of a writ or order of attachment or
garnishment against, any of the property or assets of the Maker, or guarantors,
or (g) termination of the transaction of the usual business of the Maker of this
note.

                  The undersigned and the guarantors of this note hereby waive
presentment for payment, notice of nonpayment and dishonor, protest and notice
of protest; waive trial by jury in any action or proceedings arising on, out of,
under or by reason of this note; consent to any renewals, extensions and partial
payments of this note or the indebtedness for which it is given without notice
to them, and consent that no such renewals, extensions or partial payments or
release or modification of any collateral securing this note or the indebtedness
for which it is given, shall discharge any party hereto from liability hereon in
whole or in part. If this note be not paid when due, and if it is placed with an
attorney for collection, the Maker, Makers, Endorsers and Guarantors agree to
pay all costs of collection, including a reasonable attorney's fee. This note
may not be changed or terminated orally.

                  The rights and remedies of the holder hereof, under this note
and under any and all of the guarantees and under or upon any collateral
security of any nature held by the holder hereof and securing this note or the
indebtedness for which it is given shall be deemed cumulative, exercise of any
right or remedy shall not be regarded as barring any other remedy or remedies.
The institution of any action to recover any portion of the indebtedness
evidenced by this notice shall not be deemed a waiver of any other right of the
holder hereof.

                  The acceptance of any installments or payments by the holder
hereof after the due date herein, or the waiver of any breach or default shall
not constitute a waiver or prevent the holder hereof from immediately pursuing
any or all of its remedies hereunder. It is further understood and agreed, that
the interest rate herein shall become sixteen (16%) percent, or the highest rate
permitted by law, after default or maturity until this obligation has been paid
in full.

<PAGE>

                  Failure at any time to exercise any of the rights of Payee
hereunder shall not constitute a waiver of such rights and shall not be a bar to
exercise of any of such rights at a later date. In the event of commencement of
suit to enforce payment of this note, the prevailing party shall be entitled to
receive the costs of collection including reasonable attorneys' fees and court
costs.
                  The Maker of this note shall have the privilege to prepay the
indebtedness herein at any time, in whole or in part, with interest, and without
penalty.

                  IN WITNESS WHEREOF, the undersigned has caused this promissory
note to be duly executed as of the date first written below.

Dated: December 22, 2003             XRG, INC., Maker

                                     By:
                                        ---------------------------------------
                                                    , President

                                     By: ______________________________________

                                     By: ______________________________________

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