Third Amended and Restated Revolving Credit and Security Agreement

                                                                    Exhibit 10.1

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

                       WEBSTER BUSINESS CREDIT CORPORATION

                                 ONE STATE STREET

                            NEW YORK, NEW YORK 10004

                                                     November 10, 2005

SPAR Group, Inc.

580 White Plains Road

Tarrytown, New York 10591

Attention: Charles Cimitile

Gentlemen:

         Reference   is hereby made to that   certain   Third   Amended and   Restated

Revolving Credit and Security   Agreement (as the same may be amended,   restated,

supplemented   or otherwise   modified from time to time, the "Credit   Agreement")

dated as of January 24, 2003 by and among SPAR MARKETING   FORCE,   INC.   ("SMF"),

SPAR, INC. ("SPAR"),   SPAR/BURGOYNE RETAIL SERVICES,   INC ("SBRS"),   SPAR GROUP,

INC. ("SGI"),   SPAR INCENTIVE   MARKETING,   INC. ("SIM"),   SPAR TRADEMARKS,   INC.

("STM"),   SPAR   MARKETING,   INC.   (DE)   ("SMIDE"),   SPAR   MARKETING,   INC.   (NV)

("SMINV"), SPAR ACQUISITION,   INC. ("SAI"), SPAR TECHNOLOGY GROUP, INC. ("STG"),

SPAR/PIA   RETAIL   SERVICES,    INC.   ("Pia   Retail"),    RETAIL   RESOURCES,    INC.

("Retail"),   PIVOTAL FIELD SERVICES,   INC. ("Pivotal Field"),   PIA MERCHANDISING

CO., INC. ("PIA"), PACIFIC INDOOR DISPLAY CO. ("Pacific"), PIVOTAL SALES COMPANY

("Pivotal"),   SPAR ALL STORE   MARKETING   SERVICES,   INC.,   ("SAS") and SPAR BERT

FIFE, INC. ("SBFI") (each a "Borrower" and collectiv