Exhibit 10.14  Fourth Amendment to  Loan and Security Agreement


                 FOURTH AMENDMENT TO LOAN AND SECURITY AGREEMENT

         This Fourth Amendment to Loan and Security Agreement ("AMENDMENT") is
entered into as of this 30th day of September, 1998, between Delphi Information
Systems, Inc. ("BORROWER") and Coast Business Credit(R), a division of Southern
Pacific Bank ("COAST") in reference to that certain Loan and Security Agreement
between Borrower and Coast dated January 8, 1997, as amended ("LOAN AGREEMENt").

         The parties desire that the Loan Agreement be modified as follows:

         1.        AMENDMENT. Sub paragraph 1(a) of the Schedule to the Loan
                   Agreement ("SCHEDULE") is hereby deleted and the following is
                   substituted therefor:

                   "(a)    Loans ("the Receivable Loans") not to exceed the
                           following amounts:

                   (i)     from October 1, 1998 though December 31, 1998, two
                           and one-half (2 1/2) times "Monthly Collections,"
                           which shall be defined as the rolling 12-month moving
                           average of Borrower's monthly collections (excluding
                           extraordinary cash receipts);

                   (ii)    from January 1, 1999 through March 31, 1999, two (2)
                           times Monthly Collections:

                   (iii)   from April 1, 1999 and thereafter with respect to
                           recurring collections, one (1) times Monthly
                           Collections and with respect to non-recurring
                           collections, 75% of the amount of Borrower's Eligible
                           Receivables (as defined in Section 8 above)."

         2.        NOTIFICATIONS. Borrower agrees to notify Coast in writing
                   within two (2) days after the cancellation or termination of
                   any cd.global contract. Borrower agrees to advise Coast in
                   writing at the beginning of each calendar quarter of the
                   status of the cd.global contracts.

         3.        CONDITIONS TO EFFECTIVENESS. The effectiveness of this
                   Amendment is subject to the condition that Coast shall have
                   received each of the following:

                   a.      This Amendment, duly executed and delivered by each
                           party hereto.

                   b.      Such other documents, instruments, approvals or
                           opinions as Coast may reasonably request.

         4.        FACILITY MODIFICATION FEE. In addition to all other fees and
                   charges, Borrower hereby agrees to pay Coast a facility
                   modification fee of $50,000, fully earned and payable on the
                   date hereof.

         5.        REAFFIRMATION. Except as amended by terms herein, the Loan
                   Agreement remains in full force and effect. If there is any
                   conflict between the terms and provisions




                   of this Amendment and the terms and provisions of the Loan
                   Agreement, the terms and provisions of this Amendment 
                   shall govern.

         6.        COUNTERPARTS. This Amendment may be executed in one or more
                   counterparts.

         7.        GOVERNING LAW. This Amendment shall be governed by the laws
                   of the State of California.

         8.        ATTORNEYS' FEES. If any action or proceeding shall be
                   commenced at any time by any party to this Amendment to
                   enforce, interpret or otherwise concerning the terms herein,
                   the prevailing party in such action shall be entitled to the
                   reimbursement of its costs and reasonable attorneys' fees.
                   EACH OF THE PARTIES HERETO WAIVES THE TRAIL BY JURY IN
                   CONNECTION WITH ANY ACTION DESCRIBED IN THE PRECEDING
                   SENTENCE. In addition to all other fees and charges, Borrower
                   shall reimburse Coast, upon demand, for all attorneys' fees
                   and costs incurred in connection with the negotiation,
                   documentation and closing of this Amendment.

"Coast"                             "Borrower"

COAST BUSINESS CREDIT,              DELPHI INFORMATION SYSTEMS, INC.
A DIVISION OF SOUTHERN
PACIFIC BANK                        By:  ________________________________

                                    Its: ________________________________

By:  _________________________
Its:  ________________________