LOAN MODIFICATION AGREEMENT

      This Loan Modification Agreement is entered into as of November 6, 2001,
by and between Optika, Inc. ("Borrower") and Silicon Valley Bank ("Bank").

1. DESCRIPTION OF EXISTING INDEBTEDNESS: Among other indebtedness which may be
owing by Borrower to Bank, Borrower is indebted to Bank pursuant to, among other
documents, a Loan and Security Agreement, dated October 15, 1998, as may be
amended from time to time (the "Loan Agreement"). The Loan Agreement provided
for, among other things, a Committed Revolving Line in the original principal
amount of Three Million Dollars ($3,000,000). Defined terms used but not
otherwise defined herein shall have the same meanings as in the Loan Agreement.

Hereinafter, all indebtedness owing by Borrower to Bank shall be referred to as
the "Indebtedness."

2. DESCRIPTION OF COLLATERAL AND GUARANTIES. Repayment of the Indebtedness is
secured by the Collateral as described in the Loan Agreement. Additionally,
Borrower has agreed with Bank not to mortgage, pledge, hypothecate or otherwise
encumber its Intellectual Property, pursuant to a Negative Pledge Agreement
dated October 15, 1998.

Hereinafter, the above-described security documents and guaranties, together
with all other documents securing repayment of the Indebtedness shall be
referred to as the "Security Documents". Hereinafter, the Security Documents,
together with all other documents evidencing or securing the Indebtedness shall
be referred to as the "Existing Loan Documents".

3.    DESCRIPTION OF CHANGE IN TERMS.

      A.    Modification(s) to Loan Agreement.

            1.    Sub-section  (iv)  entitled   "Minimum  Revenue"  is  hereby
                  amended to read as follows:

                  (iv) Minimum Revenue. Borrower will have a minimum revenue of
                  $3,500,000 for the quarter ending December 31, 2001;
                  $3,750,000 for quarter ending March 31, 2002; $4,250,000 for
                  quarter ending June 30, 2002, and $4,500,000 for the quarter
                  ending September 30, 2002.

2.                The following defined term under Section 13.1 entitled
                  "Definitions" is hereby amended to read as follows:

                  "Revolving Maturity Date" is November 6, 2002.

4.    CONSISTENT  CHANGES.  The Existing  Loan  Documents  are hereby  amended
wherever necessary to reflect the changes described above.

5.    PAYMENT  OF LOAN FEE.  Borrower  shall pay Lender a fee in the amount of
Fifteen  Thousand  Dollars  ($15,000),  plus all  out-of-pocket  expenses (the
"Loan Fee").

6.    NO  DEFENSES  OF  BORROWER.  Borrower  (and each  guarantor  and pledgor
signing below) agrees that, as of the date hereof,  it has no defenses against
the obligations to pay any amounts under the Indebtedness.

7. CONCERNING REVISED ARTICLE 9 OF THE UNIFORM COMMERCIAL CODE. The Borrower
affirms and reaffirms that notwithstanding the terms of the Security Documents
to the contrary, (i) that the definition of "Code", "UCC" or "Uniform Commercial
Code" as set forth in the Security Documents shall be deemed to mean and refer
to the Uniform Commercial Code as adopted by the State of Colorado, as may be
amended and in effect from time to time and (ii) the Collateral is all assets of
the Borrower (with the exception of Intellectual Property, as set forth in the
Loan Agreement). In connection therewith, the Collateral shall include, without
limitation, the following categories of assets as defined in the Code: goods
(including inventory, equipment and any accessions thereto), instruments
(including promissory notes), documents, accounts (including
health-care-insurance receivables, and license fees), chattel paper (whether
tangible or electronic), deposit accounts, letter-of-credit rights (whether or
not the letter of credit is evidenced by a writing), commercial tort claims,
securities and all other investment property, general intangibles (including
payment intangibles and software)(but excluding Intellectual Property, as set
forth in the Loan Agreement), supporting obligations and any and all proceeds of
any thereof, wherever located, whether now owned or hereafter acquired.

8. CONTINUING VALIDITY. Borrower (and each guarantor and pledgor signing below)
understands and agrees that in modifying the existing Indebtedness, Bank is
relying upon Borrower's representations, warranties, and agreements, as set
forth in the Existing Loan Documents. Except as expressly modified pursuant to
this Loan Modification Agreement, the terms of the Existing Loan Documents
remain unchanged and in full force and effect. Bank's agreement to modifications
to the existing Indebtedness pursuant to this Loan Modification Agreement in no
way shall obligate Bank to make any future modifications to the Indebtedness.
Nothing in this Loan Modification Agreement shall constitute a satisfaction of
the Indebtedness. It is the intention of Bank and Borrower to retain as liable
parties all makers and endorsers of Existing Loan Documents, unless the party is
expressly released by Bank in writing. No maker, endorser, or guarantor will be
released by virtue of this Loan Modification Agreement. The terms of this
paragraph apply not only to this Loan Modification Agreement, but also to all
subsequent loan modification agreements.

9.    CONDITIONS.  The  effectiveness of this Loan  Modification  Agreement is
conditioned upon payment of the Loan Fee.

      This Loan Modification Agreement is executed as of the date first written
above.

BORROWER:                                       BANK:

OPTIKA, INC                                     SILICON VALLEY BANK

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