EXHIBIT 10.10

THIS INSTRUMENT PREPARED BY
AND TO BE RETURNED TO:

Joel E. Boyd, Esquire
Dean, Mead, Spielvogel, Goldman & Boyd
7380 Murrell Road, Suite 100
Melbourne, Florida 32940
(407) 259-8900


                          ASSIGNMENT OF LOAN DOCUMENTS


     This  Assignment of Loan Documents is made and entered into effective as of
the 4th day of November, 1997, by BARNETT BANK, N.A. (hereinafter referred to as
"Assignor"),  with an office  located at 100 North Laura  Street,  Jacksonville,
Florida  32202,  to and for the benefit of THE  HUNTINGTON  NATIONAL  BANK,  its
successors  and  assigns,  with an  office  located  at 685 S.  Babcock  Street,
Melbourne, Florida 32901.

     A. Assignor is the holder of those  certain loan  documents as set forth in
Exhibit "A" which is attached  hereto and by this  reference  made a part hereof
("Loan   Documents").   The  defined  terms  used  in  Exhibit  "A"  are  hereby
incorporated by reference.

     B. Assignor  desires to assign and transfer,  and THE  HUNTINGTON  NATIONAL
BANK desires to accept the Loan Documents,  all as more particularly hereinafter
set forth.

     NOW,  THEREFORE,  in  consideration  of the sum of Ten and  No/100  Dollars
($10.00) and other good and valuable consideration,  the receipt and sufficiency
of which is hereby acknowledged, it is agreed as follows:

     Assignment of Loan  Documents.  Assignor  hereby grants,  bargains,  sells,
assigns,  transfers and sets over and unto THE  HUNTINGTON  NATIONAL  BANK,  its
successors and assigns,  WITHOUT RECOURSE,  all of the Loan Documents,  together
with all obligations described therein and/or secured thereby and all monies due
and/or to become due or pursuant thereto.

     IN WITNESS  WHEREOF,  Assignor has caused this Assignment of Loan Documents
to be executed effective as of the date first set forth above.

Signed, sealed and delivered
in the presence of:                           BARNETT BANK, N.A.

                                              By: /s/ James T. Hurst
/s/ Maria E. Holland                             James T. Hurst
Maria E. Holland                                 Special Assets Officer
    (Print Name)                                (Print Name/Title)

/s/ Rebecca L. Bowles
Rebecca L. Bowles
     (Print Name)



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                                   EXHIBIT "A"


1.   Promissory  Note in the amount of  $2,400,000.00  from  Eckler  Industries,
     Inc., a Florida  corporation,  to Barnett  Bank,  N.A., a national  banking
     association, dated September 30, 1996;

2.   Mortgage and Security Agreement between Eckler Industries,  Inc., a Florida
     corporation,  as  Borrower,  and Barnett  Bank,  N.A.,  a national  banking
     association,  as Lender, dated September 30, 1996, and recorded in Official
     Records Book 3609, Page 0715, Public Records of Brevard County, Florida;

3.   Assignment of Leases, Rents and Profits between Eckler Industries, Inc., as
     Owner, and Barnett Bank,  N.A., as Mortgagee,  recorded in Official Records
     Book 3609, Page 0737, Public Records of Brevard County, Florida.

4.   Mortgage Modification Agreement between Eckler Industries,  Inc., a Florida
     corporation,  as  Mortgagor,  and Barnett  Bank,  N.A., a national  banking
     association, as Mortgagee, dated October 25, 1996, and recorded in Official
     Records Book 3617, Page 1805, Public Records of Brevard County, Florida;

5.   Second  Modification to Mortgage and Security Agreement and Partial Release
     of Personal Property Agreement between Smart Choice Automotive Group, Inc.,
     a Florida corporation,  successor by merger to Eckler Industries,  Inc., as
     Borrower,  and Barnett  Bank,  N.A.,  a national  banking  association,  as
     Lender,  dated  September 15, 1997,  and recorded in Official  Records Book
     3711, Page 4702, Public Records of Brevard County, Florida;

6.   Commonwealth  Land Title Insurance  Company Loan Policy No.  F02-166424 and
     all endorsements thereto;

7.   Survey  prepared by Loys Ward  Associates  dated  September 19, 1996,  W.O.
     97193;

8.   Survey  prepared by John W. Cooper Land Survey,  Inc.  dated  September 25,
     1996, Project #96-09-61; and

9.   Any and all other  instruments  or  documents  evidencing  or securing  the
     indebtedness  represented  by the  promissory  notes  described  in item 1.
     above.