Document:

BDCAExhibit1018

Exhibit 10.18

AMENDMENT NO. 1 TO  
PURCHASE AND SALE AGREEMENT
THIS AMENDMENT NO. 1 TO PURCHASE AND SALE AGREEMENT, dated as of April 26, 2013, (this “Amendment”) is entered into by and between BDCA Funding I, LLC, as the purchaser (in such capacity, the “Purchaser”), and Business Development Corporation of America, as the seller (in such capacity, the “Seller”), and is consented to by Wells Fargo Bank, National Association, as the required lender (in such capacity, the “Required Lender”), Wells Fargo Securities, LLC, as the administrative agent (in such capacity, the “Administrative Agent”), and U.S. Bank National Association, as the collateral agent (the “Collateral Agent”). Capitalized terms used but not defined herein have the meanings provided in the Agreement (as defined below). 
R E C I T A L S
WHEREAS, reference is made to the Purchase and Sale Agreement, dated as of July 24, 2012 (as amended, modified, waived, supplemented or restated from time to time, the “Agreement”), by and between the Purchaser and the Seller; and
WHEREAS, the parties hereto desire to further amend the Agreement in certain respects as specified herein, pursuant to and in accordance with Section 10.3 of the Agreement;
NOW, THEREFORE, based upon the above Recitals, the mutual premises and agreements contained herein, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto, intending to be legally bound, hereby agree as follows:
SECTION 1.AMENDMENT.
Section 6.2(b)(viii) of the Agreement is hereby amended and restated in its entirety as follows:
“(viii)    the Outstanding Balance of all Loan Assets (other than Warranty Loan Assets) transferred pursuant to Section 2.07(e) of the Loan and Servicing Agreement or substituted pursuant to this Section 6.2 during the 12-month period immediately preceding the proposed date of sale (or such lesser number of months that shall have elapsed since April 26, 2013 as of such date) does not exceed 20% of the Maximum Facility Amount.”

SECTION 2.AGREEMENT IN FULL FORCE AND EFFECT AS AMENDED.
Except as specifically amended hereby, all provisions of the Agreement shall remain in full force and effect.  After this Amendment becomes effective, all references to the Agreement and corresponding references thereto or therein such as “hereof”, “herein”, or words of similar effect referring to the Agreement shall be deemed to mean the Agreement as amended hereby.  This 

Amendment shall not be deemed to expressly or impliedly waive, amend or supplement any provision of the Agreement other than as expressly set forth herein.
SECTION 3.REPRESENTATIONS.
Each of the Purchaser and the Seller, severally for itself only, represents and warrants as of the date of this Amendment as follows:
(i)it is duly incorporated or organized, validly existing and in good standing under the laws of its jurisdiction of incorporation or organization;
(ii)the execution, delivery and performance by it of this Amendment and the Agreement as amended hereby are within its powers, have been duly authorized, and do not contravene (A) its charter, by-laws, or other organizational documents, or (B) any Applicable Law;
(iii)no consent, license, permit, approval or authorization of, or registration, filing or declaration with any governmental authority, is required in connection with the execution, delivery, performance, validity or enforceability of this Amendment and the Agreement as amended hereby by or against it;
(iv)this Amendment has been duly executed and delivered by it;
(v)each of this Amendment and the Agreement as amended hereby constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of creditors’ rights generally or by general principles of equity; and
(vi)there is no Unmatured Event of Default, Event of Default or Seller Termination Event.
SECTION 4.CONDITIONS TO EFFECTIVENESS.
The effectiveness of this Amendment is conditioned upon: (i) delivery and execution of certain amendments to the Loan and Servicing Agreement and (ii) delivery of executed signature pages by all parties hereto to the Administrative Agent. 
SECTION 5.MISCELLANEOUS.
(a)The Administrative Agent and Wells Fargo Bank, National Association, as the sole Lender and Lender Agent hereby waive the requirement that the Purchaser provide at least ten Business Days’ prior written notice of this Amendment. The Administrative Agent and the Required Lenders hereby authorize, direct and consent to the execution of this Amendment by the Collateral Agent. 

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(b)This Amendment may be executed in any number of counterparts (including by facsimile or e-mail), and by the different parties hereto on the same or separate counterparts, each of which shall be deemed to be an original instrument but all of which together shall constitute one and the same agreement.
(c)The descriptive headings of the various sections of this Amendment are inserted for convenience of reference only and shall not be deemed to affect the meaning or construction of any of the provisions hereof.
(d)This Amendment may not be amended or otherwise modified except as provided in the Agreement.
(e)The failure or unenforceability of any provision hereof shall not affect the other provisions of this Amendment.
(f)Whenever the context and construction so require, all words used in the singular number herein shall be deemed to have been used in the plural number, and vice versa, and the masculine gender shall include the feminine and neuter and the neuter shall include the masculine and feminine.
(g)This Amendment and the Agreement represent the final agreement among the parties with respect to the matters set forth therein and may not be contradicted by evidence of prior, contemporaneous or subsequent oral agreements among the parties.  There are no unwritten oral agreements among the parties with respect to such matters.
(h)THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES UNDER THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH THE CHOICE OF LAW PROVISIONS SET FORTH IN THE AGREEMENT AND SHALL BE SUBJECT TO THE WAIVER OF JURY TRIAL AND NOTICE PROVISIONS OF THE AGREEMENT.
[Remainder of Page Intentionally Left Blank]

IN WITNESS WHEREOF, the parties have caused this Amendment No. 1 to be executed by their respective officers thereunto duly authorized, as of the date first above written.
BDCA FUNDING I, LLC,
as the Purchaser

By: BUSINESS DEVELOPMENT 
CORPORATION OF AMERICA, Member of 
BDCA Funding I, LLC
By:    /s/ Nick Radesca 
    Name: Nick Radesca 
    Title:  Chief Financial Officer
BUSINESS DEVELOPMENT 
CORPORATION OF AMERICA,
as the Seller
By:    /s/ Nick Radesca 
    Name: Nick Radesca 
    Title:  Chief Financial Officer

[SIGNATURES CONTINUE ON THE FOLLOWING PAGE]
AND CONSENTED TO BY:
 
WELLS FARGO BANK, NATIONAL ASSOCIATION, 
as the Required Lender
By:        /s/ Raj Shah     
    Name: Raj Shah 
    Title:  Managing Director
AND CONSENTED TO BY:

WELLS FARGO SECURITIES, LLC,
as the Administrative Agent
By:    /s/ Mike Romanzo 
    Name: Mike Romanzo 
    Title: Director
AND CONSENTED TO BY:

U.S. BANK NATIONAL ASSOCIATION,
as the Collateral Agent
By:    /s/ Jeffrey B. Stone 
    Name: Jeffrey B. Stone 
    Title: Vice President

- 3 -Exhibit 10.2

  

8% PROMISSORY NOTE

 

	$25,000.00	Date: February 22, 2013

 

FOR VALUE RECEIVED, SAVVY BUSINESS
SUPPORT, INC., a Nevada corporation, (“Maker”), promises to pay Anatom Associates SA (“Holder”),
in lawful money of the United States, the principal sum of Twenty Five Thousand Dollars ($25,000.00), plus interest
thereon (the “Note”) from the date of issuance until paid in full, as set forth below.

 

		1.	Interest Rate

 

Interest on the principal sum of this Note
shall accrue at the rate of eight percent (8%) per annum, compounded annually, based on a 365-day year and the actual number of
days elapsed. Interest shall be payable by Maker on an annual basis and, except as provided in Paragraph 2 below, shall not be
forgiven.

 

		2.	Payments/Forgiveness

 

The entire principal sum and all accrued but
unpaid interest and any other sums payable hereunder shall be due and payable in full on the one year anniversary date of
the date hereof. All payments hereunder shall be applied first to interest then to principal.

 

		3.	Prepayment

 

The Maker may prepay all or any portion of
the principal of this Note at any time and from time to time without premium or penalty. Any such prepayment shall be applied against
the installments of principal due under this Note in the inverse order of their maturity and shall be accompanied by payment of
accrued interest on the amount prepaid to the date of prepayment.

 

		4.	Application of Payments

 

All payments received by Holder shall be applied
first to accrued interest, then to other charges due with respect to this Note, and then to then-unpaid principal balance.

 

		5.	Cancellation of Note.

 

Upon the repayment by the
Maker of all of its obligations hereunder to the Holder, including, without limitation, the principal amount of this Note, plus
accrued but unpaid interest, the indebtedness evidenced hereby shall be deemed canceled and paid in full.

 

		6.	Severability.

 

If any provision of this
Note is, for any reason, invalid or unenforceable, the remaining provisions of this Note will nevertheless be valid and enforceable
and will remain in full force and effect. Any provision of this Note that is held invalid or unenforceable by a court of competent
jurisdiction will be deemed modified to the extent necessary to make it valid and enforceable and as so modified will remain in
full force and effect.

 

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		7.	Default and Remedies

 

	a.		Default
	 	 	 
	 	 	Maker will be in default under this
Note if (i) Maker fails to make a payment of principal and/or interest hereunder when due; or (ii) Maker breaches any other covenant
or agreement under this Note; or (iii) Maker defaults under any other provision of this Note or under any guarantee or other agreement
providing security for the payment of this Note; or (iv) Maker breaches any representation or warranty under this Note or any such
guarantee or other agreement; or (v) there occurs the liquidation, dissolution, death or incompetency of the Maker or any individual,
corporation, partnership or other entity guaranteeing or providing security for the payment of this Note; or (vi) there occurs
the sale of a material portion of the business and assets of the Maker or any corporation, partnership or other entity guaranteeing
or providing security for the payment of this Note; or (vii) there occurs the making of any assignment for the benefit of creditors
by the Maker or by any individual, corporation, partnership or other entity guaranteeing or providing security for the payment
of this Note; or (viii) Maker is declared to be in default by a court of competent jurisdiction or by an arbitrator for any reason.
	 	 	 
	b.	 	Remedies
	 	 	 
	 	 	Upon Maker’s default, Holder
may (i) upon fifteen (15) days’ written notice to Maker, declare the entire principal sum and all accrued and unpaid interest
hereunder immediately due and payable and (ii) exercise any and all remedies provided under applicable law. The Holder’s
remedies provided in this Note shall be cumulative and in addition to all other remedies available to the Holder under this Note,
at law or in equity (including a decree of specific performance and/or other injunctive relief), no remedy of the Holder contained
herein shall be deemed a waiver of compliance with the provisions giving rise to such remedy and nothing herein shall limit the
Holder’s right to pursue actual damages for any failure by the Maker to comply with the terms of this Note. No remedy conferred
under this Note upon the Holder is intended to be exclusive of any other remedy available to the Holder, pursuant to the terms
of this Note or otherwise. No single or partial exercise by the Holder of any right, power or remedy hereunder shall preclude any
other or further exercise thereof. The failure of the Holder to exercise any right or remedy under this Note or otherwise, or delay
in exercising such right or remedy, shall not operate as a waiver thereof. Every right and remedy of the Holder under any document
executed in connection with this transaction may be exercised from time to time and as often as may be deemed expedient by the
Holder. The Maker acknowledges that a breach by it of its obligations hereunder will cause irreparable harm to the Holder and that
the remedy at law for any such breach may be inadequate. The Maker therefore agrees that, in the event of any such breach or threatened
breach, the Holder shall be entitled, in addition to all other available remedies, to an injunction restraining any breach, and
specific performance without the necessity of showing economic loss and without any bond or other security being required.

 

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		8.	Waivers

 

	a.		Maker, and any endorsers or guarantors hereof, severally waive diligence, presentment,
protest and demand and also notice of dishonor of this Note. No extension of time for the payment of this Note, or any installment
hereof, agreed to by Holder with any person now or hereafter liable for the payment of this Note, shall affect the original liability
of Maker under this Note, even if Maker is not a party to such agreement. Holder may waive its right to require performance of
or compliance with any term, covenant or condition of this Note only by express written waiver.
	 	 	 
	b.	 	The failure or delay by Holder in exercising any of its rights hereunder
in any instance shall not constitute a waiver thereof in that or any other instance. Holder may not waive any of its rights except
by an instrument in writing signed by the holder.

   

		9.	Miscellaneous

 

	a.		Maker shall pay all costs, including, without limitation, reasonable attorneys’
fees and costs incurred by Holder in collecting the sums due hereunder, whether or not any legal action is actually filed, litigated
or prosecuted to judgment or award. In the event of any action or legal proceeding concerning this Note or the enforcement of
any rights hereunder, Holder shall be entitled to, in addition to any other relief to which Holder may be entitled, all legal
and court costs and expenses, including reasonable attorneys’ fees, incurred by Holder in connection with such action.
	 	 	 
	b.	 	This Note may be modified only by a written agreement executed by Maker
and Holder.
	 	 	 
	c.	 	This Note and the obligations of the undersigned shall be governed
in all respects by and construed in accordance with the laws of the State of Nevada. This Note shall be deemed a contract made
under the laws of the State of Nevada and the validity of this Note and all rights and liabilities hereunder shall be determined
under the laws of said State. For purposes of any proceeding involving this Note or any of the obligations of the undersigned,
the undersigned hereby submits to the non-exclusive jurisdiction of the courts of the State of Nevada having jurisdiction in the
State of Nevada, and agrees not to raise and waives any objection to or defense based upon the venue of any such court or based
upon forum non conveniens. The undersigned agrees not to bring any action or other proceeding with respect to this Note or with
respect to any of its obligations in any other court unless such courts of the State of Nevada determine that they do not have
jurisdiction in the matter.
	 	 	 
	d.	 	The terms of this Note shall inure to the benefit of and bind Maker
and Holder and their respective heirs, legal representatives and successors and assigns.
	 	 	 
	e.	 	Time is of the essence with respect to all matters set forth in this
Note.
	 	 	 
	f.	 	If this Note is destroyed, lost or stolen, Maker will deliver a new
Note to Holder on the same terms and conditions as this Note, with a notation of the unpaid principal and accrued and unpaid interest
in substitution of the prior Note. Holder shall furnish to Maker reasonable evidence that the Note was destroyed, lost or stolen
and any security or indemnity that may be reasonably required by Maker in connection with the replacement of this Note.

 

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	g.	 	All payments of principal and interest shall be made in lawful currency
of the United States of America to the Holder at the address shown above or to a different location upon receipt of written notice
from the Holder.
	 	 	 
	h.	 	The Maker agrees to pay on demand (i) all expenses (including, without
limitation, legal fees and disbursements) incurred in connection with the negotiation and preparation of this Note and any documents
in connection with this Note, and (ii) all expenses of collecting and enforcing this Note and any guarantee or collateral securing
this Note, including, without limitation, expenses and fees of legal counsel, court costs and the cost of appellate proceedings.
	 	 	 
	i.	 	The headings of the sections of this Note are inserted for convenience
only and shall not be deemed to constitute a part of this Note.
	 	 	 
	j.	 	This Note may not be amended without the written approval of Holder
and Maker.
	 	 	 
	k.	 	None of the parties hereto will hereafter
enter into any agreement, which is inconsistent with the rights granted to the parties in this Note.
	 	 	 
	l.	 	Nothing herein expressed or implied
is intended or shall be construed to confer upon or give to any person or entity, other than the parties to this Note and their
respective permitted successor and assigns, any rights or remedies under or by reason
of this Note.
	 	 	 
	m.	 	As a material inducement for the Holder to loan to the Maker the
monies hereunder, the Maker hereby waives any right to trial by jury in any legal proceeding related in any way to this agreement
and/or any and all of the other documents associated with this transaction.
	 	 	 
	n.	 	This Note (including any recitals hereto)
set forth the entire understanding of the parties with respect to the subject matter hereof, and shall not be modified or affected
by any offer, proposal, statement or representation, oral or written, made by or for any party in connection with the negotiation
of the terms hereof, and may be modified only by instruments signed by all of the parties hereto.

 

[REMAINDER
OF PAGE INTENTIONALY LEFT BLANK]

 

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IN WITNESS WHEREOF,
this Promissory Note is executed by the undersigned as of the date set forth above.

 

	 	NOTE MAKER:
	 	 	 
	 	Savvy Business Support, Inc.
	 	 	 
	 	By:	/s/ Bharat Vasandani
	 	Name:	Bharat Vasandani
	 	Title:	President and Chief Executive Officer

 

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