Document:

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                                                                    EXHIBIT 4.28

THIS WARRANT AND THE SECURITIES ISSUABLE UPON EXERCISE HEREOF HAVE NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"),
OR ANY STATE SECURITIES LAW, AND MAY NOT BE SOLD, TRANSFERRED, PLEDGED,
HYPOTHECATED OR OTHERWISE DISPOSED OF OR EXERCISED UNLESS (i) A REGISTRATION
STATEMENT UNDER THE SECURITIES ACT AND APPLICABLE STATE SECURITIES LAWS SHALL
HAVE BECOME EFFECTIVE WITH REGARD THERETO, OR (ii) AN EXEMPTION FROM
REGISTRATION UNDER THE SECURITIES ACT AND APPLICABLE STATE SECURITIES LAWS IS
AVAILABLE IN CONNECTION WITH SUCH OFFER, SALE OR TRANSFER.

AN INVESTMENT IN THESE SECURITIES INVOLVES A HIGH DEGREE OF RISK. HOLDERS MUST
RELY ON THEIR OWN ANALYSIS OF THE INVESTMENT AND ASSESSMENT OF THE RISKS
INVOLVED.

Warrant to Purchase
600,000 shares

                        WARRANT TO PURCHASE COMMON STOCK
                                       OF
                             SOLUTIONSAMERICA, INC.

     THIS CERTIFIES that Swartz Private Equity, LLC or any subsequent holder
hereof pursuant to Section 8 hereof ("Holder"), has the right to purchase from
SOLUTIONSAMERICA, INC., a Delaware corporation (the "Company"), up to 600,000
fully paid and nonassessable shares of the Company's common stock, $.001 par
value per share ("Common Stock"), subject to adjustment as provided herein, at a
price equal to the Exercise Price as defined in Section 3 below, from time to
time as set forth herein beginning on the Date of Issuance (defined below) and
ending at 5:00 p.m., New York, New York time the date that is five (5) years
after the Date of Issuance (the "Exercise Period").

     Holder agrees with the Company that this Warrant to Purchase Common Stock
of the Company (this "Warrant") is issued and all rights hereunder shall be held
subject to all of the conditions, limitations and provisions set forth herein.

     1. Date of Issuance and Term.

     This Warrant shall be deemed to be issued on May 3, 2000 ("Date of
Issuance"). The term of this Warrant is five (5) years from the Date of
Issuance.

     Of this Warrant to purchase six hundred thousand (600,000) shares of Common
Stock of the Company, the Warrant is exercisable as to two hundred thousand
(200,000) shares of Common Stock of the Company after the fifteenth (15th)
business day document review period, as the same may be extended by mutual
consent, in writing, of the Company and the Holder (the "Document Review
Period") referenced in the Equity Line Letter of Agreement dated May 3, 2000,
between Holder and Company (the "Letter of Agreement") has ended, shall be
further exercisable as to an additional two hundred thousand (200,000) shares of
Common Stock of the Company upon the execution by both the Company and Swartz
Private Equity, LLC of all Closing Documents (as defined in the Letter of
Agreement) and shall be further exercisable as to the remaining two
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hundred thousand (200,000) shares of Common Stock of the Company upon the
earlier of (i) the date of effectiveness of the Company's registration statement
(the "Registration Statement") to be filed pursuant to the Closing Documents, or
(ii) November 3, 2000.

     Anything in this Warrant to the contrary notwithstanding, if the Company
delivers written notice to Swartz Private Equity, LLC prior to the expiration of
the Document Review Period that the legal documents for the transaction are
unacceptable and the Company wishes to terminate the transaction (an
"Unacceptable Document Notice") or if Swartz Private Equity, LLC notifies
Company in writing during the Document Review Period that, based on its due
diligence review, Swartz Private Equity, LLC elects not to proceed with its
obligations under the Letter of Agreement (a "Due Diligence Notice"), Holder
shall return this Warrant to the Company and all of Holder's rights under this
Warrant shall be null and void and of no effect, provided that, if the Company
has not delivered a Company Termination Notice to Swartz Private Equity, LLC,
prior to the expiration of the Review Period, ownership of this Warrant shall
irrevocably vest to the Holder, regardless of whether a Company Termination
Notice is delivered anytime thereafter.

     2. Exercise.

     (a) Manner of Exercise. During the Exercise Period, this Warrant may be
exercised as to all or any lesser number of full shares of Common Stock covered
hereby (the "Warrant Shares") to the extent then exercisable in accordance with
Section 1 hereof upon surrender of this Warrant, with the Exercise Form attached
hereto as Exhibit A (the "Exercise Form") duly completed and executed, together
with the full Exercise Price (as defined below) for each share of Common Stock
as to which this Warrant is exercised at the office of the Company, Attention:
Floyd W. Kephart, Chairman and CEO, 600 Corporate Pointe, 12th floor, Culver
City, CA 90230; Telephone: (310) 655-7600, Facsimile: (310) 665-7606, or at such
other office or agency as the Company may designate in writing, by overnight
mail, with an advance copy of the Exercise Form sent to the Company and its
Transfer Agent, if any, by facsimile (such surrender and payment of the Exercise
Price hereinafter called the "Exercise of this Warrant").

     (b) Date of Exercise. The "Date of Exercise" of the Warrant shall be
defined as the date that the advance copy of the completed and executed Exercise
Form is sent by facsimile to the Company, provided that the original Warrant,
Exercise Form and payment of the Exercise Price are received by the Company
within three (3) business days thereafter. Alternatively, the Date of Exercise
shall be defined as the date the original Warrant, Exercise Form and payment of
the Exercise Price are received by the Company, if Holder has not sent advance
notice by facsimile or if the original documents are not timely received.

     (c) Cancellation of Warrant. This Warrant shall be canceled upon the
Exercise of this Warrant, and, as soon as practical after the Date of Exercise,
Holder shall be entitled to receive Common Stock for the number of shares
purchased upon such Exercise of this Warrant, and if this Warrant is not
exercised in full, Holder shall be entitled to receive a new Warrant (containing
terms identical to this Warrant) representing any unexercised portion of this
Warrant in addition to such Common Stock.

     (d) Holder of Record. Each person in whose name any Warrant for shares of

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Common Stock is issued shall, for all purposes, be deemed to be the Holder of
record of such shares on the Date of Exercise of this Warrant, irrespective of
the date of delivery of the Common Stock purchased upon the Exercise of this
Warrant. Nothing in this Warrant shall be construed as conferring upon Holder
any rights as a stockholder of the Company.

     3.  Payment of Warrant Exercise Price.

     The Exercise Price per share ("Exercise Price") shall initially equal (the
"Initial Exercise Price") $1.00; provided, however, that if the Date of Exercise
is after the Trading Initiation Date (as defined below) and the "Lowest Reset
Price" (as defined below) is less than $1.00, then, the Exercise Price shall be
reduced to equal the "Lowest Reset Price". The Company shall calculate a "Reset
Price" on the Trading Initiation Date, which shall equal the lowest Closing Bid
Price of the Company's Common Stock for the five (5) consecutive Trading Days
beginning on and following the Trading Initiation Date, and shall calculate a
"Reset Price" on each six-month anniversary date of the Trading Initiation Date,
which shall equal the lowest Closing Bid Price of the Company's Common Stock for
the five (5) Trading Days ending on such six-month anniversary date of the
Trading Initiation Date. The "Lowest Reset Price" shall equal the lowest Reset
Price determined on the Trading Initiation Date or any six-month anniversary
date of the Trading Initiation Date preceding the Date of Exercise, taking into
account, as appropriate, any adjustments made pursuant to Section 5 hereof. For
purposes hereof, "Trading Initiation Date" shall mean the date that the
Company's Common Stock first becomes publicly traded on a national exchange or
market and a "Trading Day" shall mean a day on which the Company's Common Stock
actually trades on its principal market or exchange.

     Payment of the Exercise Price may be made by either of the following, or a
combination thereof, at the election of Holder:

     (i) Cash Exercise: cash, bank or cashiers check or wire transfer; or

     (11) Cashless Exercise: The Holder, at its option, may exercise this
Warrant in a cashless exercise transaction under this subsection (ii) if and
only if, on the Date of Exercise, there is not then in effect a current
registration statement that covers the resale of the shares of Common Stock to
be issued upon exercise of this Warrant. In order to effect a Cashless Exercise,
the Holder shall surrender this Warrant at the principal office of the Company
together with notice of cashless election, in which event the Company shall
issue Holder a number of shares of Common Stock computed using the following
formula:

                                  X = Y(A-B)/A

     where X = the number of shares of Common Stock to be issued to Holder.

           Y = the number of shares of Common Stock for which this Warrant is
     being exercised.

           A = the Market Price of one (1) share of Common Stock (for purposes
     of this Section 3(ii), the "Market Price" shall be defined as the average
     Closing Price of the Common Stock for the five (5) Trading Days prior to
     the Date of Exercise of this Warrant (the "Average Closing Bid Price"), as
     reported by the O.T.C. Bulletin Board, National Association of Securities
     Dealers Automated Quotation System ("Nasdaq") Small Cap Market, or if the
     Common Stock is not traded on the Nasdaq Small Cap Market, the Average
     Closing Price is any other over-the-counter market; provided,

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        however that if the Common Stock is listed on a stock exchange, the
        Market Price shall be the Average Closing Bid Price on such exchange for
        the five (5) Trading Days prior to the date of exercise of the
        Warrants. If the Common Stock is not traded during the five (5) Trading
        Days prior to the Date of Exercise, then the closing price for the last
        publicly traded day shall be deemed to be the closing price for any and
        all (if applicable) days during such five (5) Trading Day period.

        B = the Exercise Price.

     For purposes hereof, the term "Closing Bid Price" shall mean the closing
bid price on the Nasdaq Small Cap Market, the National Market System ("NMS"),
the New York Stock Exchange, the American Stock Exchange, or the O.T.C.
Bulletin Board, or if no longer traded on the Nasdaq Small Cap Market, the
National Market System ("NMS"), the New York Stock Exchange, the American Stock
Exchange, or the O.T.C. Bulletin Board, the "Closing Bid Price" shall equal the
closing price on the principal national securities exchange or the
over-the-counter system on which the Common Stock is so traded and, if not
available, the mean of the high and low prices on the principal national
securities exchange on which the Common Stock is so traded.

     For purposes of Rule 144 and sub-section (d)(3)(ii) thereof, it is
intended, understood and acknowledged that the Common Stock issuable upon
exercise of this Warrant in a cashless exercise transaction shall be deemed to
have been acquired at the time this Warrant was issued. Moreover, it is
intended, understood and acknowledged that the holding period for the Common
Stock issuable upon exercise of this Warrant in a cashless exercise transaction
shall be deemed to have commenced on the date of this Warrant was issued.

     4.   Transfer and Registration.

     (a)  Transfer Rights.  Subject to the provisions of Section 8 of this
Warrant, this Warrant may be transferred on the books of the Company, in whole
or in part, in person or by attorney, upon surrender of this Warrant properly
completed and endorsed. This Warrant shall be canceled upon such surrender and,
as soon as practicable thereafter, the person to whom such transfer is made
shall be entitled to receive a new Warrant or Warrants as to the portion of
this Warrant transferred, and Holder shall be entitled to receive a new Warrant
as to the portion hereof retained.

     (b)  Registrable Securities. In addition to any other registration rights
of the Holder, if the Common Stock issuable upon exercise of this Warrant is
not registered for resale at the time the Company proposes to register
(including for this purpose a registration effected by the Company for
stockholders other than the Holders) any of its Common Stock under the Act
(other than a registration relating solely to the sale of securities to
participants in a Company stock plan or a registration on Form S-4 promulgated
under the Act or any successor or similar form registered stock issuable upon a
reclassification, upon a business combination involving an exchange of
securities or upon an exchange offer for securities of the issuer or another
entity) (a "Piggyback Registration Statement"), the Company shall cause to be
included in such Piggyback Registration Statement ("Piggyback Registration")
all of the Common Stock issuable upon the exercise of this Warrant
("Registrable Securities") to the extent such inclusion does not violate the
registration rights of any other securityholder of the Company granted prior to
the date hereof. Nothing herein shall prevent the Company from withdrawing or
abandoning the Piggyback Registration Statement prior to its effectiveness.

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     (c) Limitation on Obligations to Register under a Piggyback Registration.
In the case of a Piggyback Registration pursuant to an underwritten public
offering by the Company, if the managing underwriter determines and advises in
writing that the inclusion in the registration statement of all Registrable
Securities proposed to be included would interfere with the successful marketing
of the securities proposed to be registered by the Company, then the number of
such Registrable Securities to be included in the Piggyback Registration
Statement, to the extent such Registrable Securities may be included in such
Piggyback Registration Statement, shall be allocated among all Holders who had
requested Piggyback Registration pursuant to the terms hereof, in the proportion
that the number of Registrable Securities which each such Holder seeks to
register bears to the total number of Registrable Securities sought to be
included by all Holders. If required by the managing underwriter of such an
underwritten public offering, the Holders shall enter into a reasonable
agreement limiting the number of Registrable Securities to be included in such
Piggyback Registration Statement and the terms, if any, regarding the future
sale of such Registrable Securities.

     5. Anti-Dilution Adjustments.

     (a) Stock Dividend. If the Company shall at any time declare a dividend
payable in shares of Common Stock, then Holder, upon Exercise of this Warrant
after the record date for the determination of holders of Common Stock entitled
to receive such dividend, shall be entitled to receive upon Exercise of this
Warrant, in addition to the number of shares of Common Stock as to which this
Warrant is exercised, such additional shares of Common Stock as such Holder
would have received had this Warrant been exercised immediately prior to such
record date and the Exercise Price will be proportionately adjusted.

     (b) Recapitalization or Reclassification.

          (i)  Stock Split. If the Company shall at any time effect a
recapitalization, reclassification or other similar transaction of such
character that the shares of Common Stock shall be changed into or become
exchangeable for a larger number of shares (a "Stock Split"), then upon the
effective date thereof, the number of shares of Common Stock which Holder shall
be entitled to purchase upon Exercise of this Warrant shall be increased in
direct proportion to the increase in the number of shares of Common Stock by
reason of such recapitalization, reclassification or similar transaction, and
the Exercise Price shall be proportionately decreased.

          (ii) Reverse Stock Split. If the Company shall at any time effect a
recapitalization, reclassification or other similar transaction of such
character that the shares of Common Stock shall be changed into or become
exchangeable for a smaller number of shares (a "Reverse Stock Split"), then upon
the effective date thereof, the number of shares of Common Stock which Holder
shall be entitled to purchase upon Exercise of this Warrant shall be
proportionately decreased and the Exercise Price shall be proportionately
increased. The Company shall give Holder the same notice it provides to holders
of Common Stock of any transaction described in this Section 5(b).

     (c) Distributions. If the Company shall at any time distribute for no
consideration to holders of Common Stock cash, evidences of indebtedness or
other securities or assets (other than cash dividends or distributions payable
out of earned surplus or net profits or retained earnings for the current or
preceding years) then, in any such case, Holder shall be entitled to receive,
upon Exercise of this Warrant, with respect to each share of Common Stock
issuable upon such exercise, the amount of cash or evidences of indebtedness or
other securities or assets which Holder would have been entitled to receive with
respect to

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each such share of Common Stock as a result of the happening of such event had
this Warrant been exercised immediately prior to the record date or other date
fixing shareholders to be affected by such event (the "Determination Date") or,
in lieu thereof, if the Board of Directors of the Company should so determine at
the time of such distribution, a reduced Exercise Price determined by
multiplying the Exercise Price on the Determination Date by a fraction, the
numerator of which is the result of such Exercise Price reduced by the value of
such distribution applicable to one share of Common Stock (such value to be
determined by the Board of Directors of the Company in its discretion) and the
denominator of which is such Exercise Price.

          (d) Notice of Consolidation or Merger.  In the event of a merger,
consolidation, exchange of shares, recapitalization, reorganization or other
similar event, as a result of which shares of Common Stock shall be changed into
the same or a different number of shares of the same or another class or classes
of stock or securities or other assets of the Company or another entity or there
is a sale of all or substantially all the Company's assets (a "Corporate
Change"), then this Warrant shall be exercisable into such class and type of
securities or other assets as Holder would have received had Holder exercised
this Warrant immediately prior to such Corporate Change: provided, however, that
Company may not effect any Corporate Change unless it first shall have given
thirty (30) days notice to Holder hereof of any Corporate Change.

          (e) Exercise Price Adjusted.  As used in this Warrant, the term
"Exercise Price" shall mean the purchase price per share specified in Section 3
of this Warrant, until the occurrence of an event stated in subsection (a),(b)
or (c) of this Section 5, and thereafter shall mean said price as adjusted from
time to time in accordance with the provisions of said subsection. No such
adjustment under this Section 5 shall be made unless such adjustment would
change the Exercise Price at the time by $.01 or more; provided, however, that
all adjustments not so made shall be deferred and made when the aggregate
thereof would change the Exercise Price at the time by $.01 or more.

          (f) Adjustments:  Additional Shares, Securities or Assets.  In the
event that at any time, as a result of an adjustment made pursuant to this
Section 5, Holder shall, upon Exercise of this Warrant, become entitled to
receive shares and/or other securities or assets (other than Common Stock) then,
wherever appropriate, all references herein to shares of Common Stock shall be
deemed to refer to and include such shares and/or other securities or assets;
and thereafter the number of such shares and/or other securities or assets shall
be subject to adjustment from time to time in a manner and upon terms as nearly
equivalent as practicable to the provisions of this Section 5.

          6.        Fractional Interests.

                    No fractional shares or scrip representing fractional
shares shall be issuable upon the Exercise of this Warrant, but on Exercise of
this Warrant, Holder may purchase only a whole number of shares of Common Stock.
If, on Exercise of this Warrant, Holder would be entitled to a fractional share
of Common Stock or a right to acquire a fractional share of Common Stock, such
fractional share shall be disregarded and the number of shares of Common Stock
issuable upon exercise shall be the next higher number of shares.

          7.        Reservation of Shares.

                    The Company shall at all times reserve for issuance such
number of authorized and unissued shares of Common Stock (or other securities
substituted therefor as herein above provided) as shall be sufficient for the
Exercise of this Warrant and payment of the Exercise Price.  The Company
covenants and agrees that upon the Exercise

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of this Warrant, all shares of Common Stock issuable upon such exercise shall be
duly and validly issued, fully paid, nonassessable and not subject to preemptive
rights, rights of first refusal or similar rights of any person or entity.

     8.  Restrictions on Transfer.

     (a) Registration or Exemption Required. This Warrant has been issued in a
transaction exempt from the registration requirements of the Act by virtue of
Section 3(b), Section 4(2) and/or Regulation D promulgated thereunder and exempt
from state registration under applicable state laws. The Warrant and the Common
Stock issuable upon the Exercise of this Warrant may not be pledged,
transferred, sold or assigned except pursuant to an effective registration
statement or unless the Company has received an opinion from the Company's
counsel to the effect that such registration is not required, or the Holder has
furnished to the Company an opinion of the Holder's counsel, which counsel shall
be reasonably satisfactory to the Company, to the effect that such registration
is not required; the transfer complies with any applicable state securities
laws; and, if no registration covering the resale of the Warrant Shares is
effective at the time the Warrant Shares are issued, the Holder consents to a
legend being placed on certificates for the Warrant Shares stating that the
securities have not been registered under the Securities Act and referring to
such restrictions on transferability and sale.

     (b) Assignment. If Holder can provide the Company with reasonably
satisfactory evidence that the conditions of (a) above regarding registration or
exemption have been satisfied, Holder may sell, transfer, assign, pledge or
otherwise dispose of this Warrant, in whole or in part. Holder shall deliver a
written notice to Company, substantially in the form of the Assignment attached
hereto as Exhibit B, indicating the person or persons to whom the Warrant shall
be assigned and the respective number of warrants to be assigned to each
assignee. The Company shall effect the assignment within ten (10) days, and
shall deliver to the assignee(s) designated by Holder a Warrant or Warrants of
like tenor and terms for the appropriate number of shares.

     9.  Benefits of this Warrant.

         Nothing in this Warrant shall be construed to confer upon any person
other than the Company and Holder any legal or equitable right, remedy or
claim under this Warrant and this Warrant shall be for the sole and exclusive
benefit of the Company and Holder.

     10. Applicable Law.

         This Warrant is issued under and shall for all purposes be governed by
and construed in accordance with the laws of the state of Delaware, without
giving effect to conflict of law provisions thereof.

     11. Loss of Warrant.

         Upon receipt by the Company of evidence of the loss, theft, destruction
or mutilation of this Warrant, and (in the case of loss, theft or destruction)
of indemnity or security reasonably satisfactory to the Company, and upon
surrender and cancellation of this Warrant, if mutilated, the Company shall
execute and deliver a new Warrant of like tenor and date.

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     12.  Notice or Demands.

     Notices or demands pursuant to this Warrant to be given or made by Holder
to or on the Company shall be sufficiently given or made if sent by certified or
registered mail, return receipt requested, postage prepaid, and addressed, until
another address is designated in writing by the Company, to the address set
forth in section 2(a) above.  Notices or demands pursuant to this Warrant to be
given or made by the Company to or on Holder shall be sufficiently given or made
if sent by certified or registered mail, return receipt requested, postage
prepaid, and addressed, to the address of Holder set forth in the Company's
records, until another address is designated in writing by Holder.

     IN WITNESS WHEREOF, the undersigned has executed this Warrant as of the
3rd day of May, 2000.

                              SOLUTIONSAMERICA, INC. a
                               Delaware corporation

                              By: /s/  FLOYD W. KEPHART
                                  --------------------------------
                                  Floyd W. Kephart, Chairman & CEO

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                                   EXHIBIT A

                           EXERCISE FORM FOR WARRANT

                          TO: SOLUTIONS AMERICA, INC.

      The undersigned hereby irrevocably exercises the right to purchase
_________ of the shares of Common Stock (the "Common Stock") of SOLUTIONS
AMERICA, INC., a Delaware corporation (the "Company"), evidenced by the
attached warrant (the "Warrant"), and herewith makes payment of the exercise
price with respect to such shares in full, all in accordance with the
conditions and provisions of said Warrant.

1.    The undersigned agrees not to offer, sell, transfer or otherwise dispose
of any of the Common Stock obtained on exercise of the Warrant, except in
accordance with the provisions of Section 8(a) of the Warrant.

2.    The undersigned requests that stock certificates for such shares be
issued free of any restrictive legend, if appropriate, and a warrant
representing any unexercised portion hereof be issued, pursuant to the Warrant
in the name of the undersigned and delivered to the undersigned at the address
set forth below:

      Dated:
            --------------

--------------------------------------------------------------------------------
                                   Signature

--------------------------------------------------------------------------------
                                   Print Name

--------------------------------------------------------------------------------
                                    Address

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

NOTICE

The signature to the foregoing Exercise Form must correspond to the name as
written upon the face of the attached Warrant in every particular, without
alteration or enlargement or any change whatsoever.

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

                                   EXHIBIT B

                                   ASSIGNMENT

                    (To be executed by the registered holder
                       desiring to transfer the Warrant)

FOR VALUE RECEIVED, the undersigned holder of the attached warrant (the
"Warrant") hereby sells, assigns and transfers unto the person or persons
below named the right to purchase _________ shares of the Common Stock of
SOLUTIONS AMERICA, INC.

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evidenced by the attached Warrant and does hereby irrevocably constitute and
appoint ______________________ attorney to transfer the said Warrant on the
books of the Company, with full power of substitution in the premises.

Dated: __________                       ____________________________________
                                        Signature

Fill in for new registration of Warrant:

_________________________________________
                  Name

_________________________________________
                 Address

_________________________________________
Please print name and address of assignee
(including zip code number)

_______________________________________________________________________________

NOTICE

The signature to the foregoing Assignment must correspond to the name as written
upon the face of the attached Warrant in every particular, without alteration or
enlargement or any change whatsoever.

_______________________________________________________________________________

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[SOLUTIONS AMERICA, INC. LOGO]                                               FAX

TO:    MICHAEL BALES, ESQ.                FROM:  FLOYD KEPHART
--------------------------------------------------------------------------------

FAX:   310-553-0687                       PAGES: 12 incl. cover
--------------------------------------------------------------------------------

PHONE: 310-201-7422                       DATE:  MAY 19, 2000
--------------------------------------------------------------------------------

RE:    ENGAGEMENT WARRANT                 CC:    BRAD HATHORN
                                                 JESSICA STRAUSS
                                                 MARK TEPPER
--------------------------------------------------------------------------------

COMMENTS:

CONFIDENTIAL<PAGE>   1

                                                                    EXHIBIT 4.31

                          REGISTRATION RIGHTS AGREEMENT

        THIS REGISTRATION RIGHTS AGREEMENT (this "Agreement") is entered into as
of July 18, 2000, by and among SolutionsAmerica, Inc., a corporation duly
incorporated and existing under the laws of the State of Delaware (the
"Company"), and Swartz Private Equity, LLC, a Georgia limited liability company
(the "Subscriber").

                                   RECITALS:

        WHEREAS, pursuant to the Company's offering ("Offering") of up to Thirty
Million Dollars ($30,000,000), excluding any funds paid upon exercise of the
Warrants, of Common Stock of the Company pursuant to that certain Investment
Agreement of even date herewith (the "Investment Agreement") between the Company
and the Subscriber, the Company has agreed to sell and the Subscriber has agreed
to purchase, from time to time as provided in the Investment Agreement, shares
of the Company's Common Stock for a maximum aggregate offering amount of Thirty
Million Dollars ($30,000,000);

        WHEREAS, pursuant to the terms of the Investment Agreement, the Company
has agreed to issue to the Subscriber the Commitment Warrants and, from time to
time, the Purchase Warrants, each as defined in the Investment Agreement, to
purchase a number of shares of Common Stock, exercisable for five (5) years from
their respective dates of issuance (collectively, the "Warrants"); and

        WHEREAS, pursuant to the terms of the Investment Agreement, the Company
has agreed to provide the Subscriber with certain registration rights with
respect to the Common Stock to be issued in the Offering and the Common Stock
issuable upon exercise of the Warrants as set forth in this Agreement.

                                     TERMS:

        NOW, THEREFORE, in consideration of the mutual promises,
representations, warranties, covenants and conditions set forth in this
Agreement and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto agree as
follows:

        1. Certain Definitions. As used in this Agreement (including the
Recitals above), the following terms shall have the following meanings (such
meanings to be equally applicable to both singular and plural forms of the terms
defined):

               "Additional Registration Statement" shall have the meaning set
forth in Section 3(b).

               "Amended Registration Statement" shall have the meaning set forth
in Section 3(b).

               "Business Day" shall have the meaning set forth in the Investment
Agreement.

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<PAGE>   2

               "Closing Bid Price" shall have the meaning set forth in the
Investment Agreement.

               "Common Stock" shall mean the common stock, par value $0.0001, of
the Company.

               "Due Date" shall mean the date that is one hundred twenty (120)
days after the date that the Company becomes a "Reporting Issuer," as defined in
the Investment Agreement.

               "Effective Date" shall have the meaning set forth in Section 2.4.

               "Exchange Act" shall mean the Securities Exchange Act of 1934, as
amended, together with the rules and regulations promulgated thereunder.

               "Filing Deadline" shall mean the date that is forty-five (45)
days after the date that the Company becomes a "Reporting Issuer," as defined in
the Investment Agreement, which deadline, in the event that the Holder fails to
provide comments to a draft of the Registration Statement by close of business
on the fifth business day following the date that such draft is provided to
Holder, shall be extended by one (1) business day for each business day beyond
such fifth business day until the Holder provides its comments (or notifies the
Company that it has no comments) to such draft of the Registration Statement.

               "Investment Agreement" shall have the meaning set forth in the
Recitals hereto.

               "Holder" shall mean Subscriber, and any other person or entity
owning or having the right to acquire Registrable Securities or any permitted
assignee.

               "Piggyback Registration" and "Piggyback Registration Statement"
shall have the meaning set forth in Section 4.

               "Put" shall have the meaning as set forth in the Investment
Agreement.

               "Register," "Registered," and "Registration" shall mean and refer
to a registration effected by preparing and filing a registration statement or
similar document in compliance with the Securities Act and pursuant to Rule 415
under the Securities Act or any successor rule, and the declaration or ordering
of effectiveness of such registration statement or document.

               "Registrable Securities" shall have the meaning set forth in
Section 2.1.

               "Registration Statement" shall have the meaning set forth in
Section 2.2.

               "Rule 144" shall mean Rule 144, as amended, promulgated under the
Securities Act.

               "Securities Act" shall mean the Securities Act of 1933, as
amended, together with the rules and regulations promulgated thereunder.

                                       2
<PAGE>   3

               "Subscriber" shall have the meaning set forth in the preamble to
this Agreement.

               "Supplemental Registration Statement" shall have the meaning set
forth in Section 3(b).

               "Warrants" shall have the meaning set forth in the above
Recitals.

               "Warrant Shares" shall mean shares of Common Stock issuable upon
exercise of any Warrant.

        2. Required Registration.

               2.1 Registrable Securities. "Registrable Securities" shall mean
those shares of the Common Stock of the Company together with any Common Stock
issued in replacement of, in exchange for or otherwise in respect of such Common
Stock, that are: (i) issuable or issued to the Subscriber pursuant to the
Investment Agreement, and (ii) issuable or issued upon exercise of the Warrants;
provided, however, that notwithstanding the above, the following shall not be
considered Registrable Securities:

                      (a) any Common Stock which would otherwise be deemed to be
Registrable Securities, if and to the extent that those shares of Common Stock
may be resold in a public transaction without volume limitations or other
material restrictions without registration under the Securities Act, including
without limitation, pursuant to Rule 144 under the Securities Act;

                      (b) any Common Stock which has been distributed to the
public pursuant to Rule 144 under the Securities Act;

                      (c) any Common Stock which has been sold in a private
transaction in which the transferor's rights under this Agreement are not
assigned;

                      (d) any Common Stock when a registration statement with
respect to the sale of such shares of Common Stock shall have become effective
under the Securities Act and such shares of Common Stock shall have been
disposed of in accordance with such registration statement;

                      (e) any Common Stock which has been otherwise transferred,
subsequent disposition of such shares does not require registration or
qualification under the Securities Act or any similar state law then in force
and new certificates for such shares have been delivered by the Company without
a legend restricting further transfer; and

                      (f) any Common Stock which shall have ceased to be
outstanding.

               2.2 Filing of Initial Registration Statement. The Company shall,
by the Filing Deadline, file a registration statement ("Registration Statement")
on Form SB-2 (or other suitable form, at the Company's discretion, but subject
to the reasonable approval of Subscriber),

                                       3
<PAGE>   4

covering the resale of a number of shares of Common Stock as Registrable
Securities equal to at least Ten Million (10,000,000) shares of Common Stock and
shall cover, to the extent allowed by applicable law, such indeterminate number
of additional shares of Common Stock that may be issued or become issuable as
Registrable Securities by the Company pursuant to Rule 416 of the Securities
Act. In the event that the Company has not filed the Registration Statement by
the Filing Deadline, then the Company shall pay to Subscriber an amount equal to
$500, in cash, for each Business Day after the Filing Deadline until such
Registration Statement is filed, payable within ten (10) Business Days following
the end of each calendar month in which such payments accrue.

               2.3 Registration Effective Date. The Company shall use its best
efforts to have the Registration Statement declared effective by the SEC (the
date of such effectiveness is referred to herein as the "Effective Date") by the
Due Date.

               2.4 Shelf Registration. The Registration Statement shall be
prepared as a "shelf" registration statement under Rule 415, and shall be
maintained effective until all Registrable Securities are resold pursuant to the
Registration Statement.

               2.5 Supplemental Registration Statement. Anytime the Registration
Statement does not cover a sufficient number of shares of Common Stock to cover
all outstanding Registrable Securities, the Company shall promptly prepare and
file with the SEC such Supplemental Registration Statement and the prospectus
used in connection with such registration statement as may be necessary to
comply with the provisions of the Securities Act with respect to the disposition
of all such Registrable Securities and shall use its best efforts to cause such
Supplemental Registration Statement to be declared effective as soon as
possible.

        3. Obligations of the Company. Whenever required under this Agreement to
effect the registration of any Registrable Securities, the Company shall, as
expeditiously and reasonably possible:

               (a) Prepare and file with the Securities and Exchange Commission
("SEC") a Registration Statement with respect to such Registrable Securities and
use its best efforts to cause such Registration Statement to become effective
and to remain effective until all Registrable Securities are resold pursuant to
such Registration Statement, notwithstanding any Termination or Automatic
Termination (as each is defined in the Investment Agreement) of the Investment
Agreement.

               (b) Prepare and file with the SEC such amendments and supplements
to such Registration Statement and the prospectus used in connection with such
Registration Statement ("Amended Registration Statement") or prepare and file
any additional registration statement ("Additional Registration Statement,"
together with the Amended Registration Statement, "Supplemental Registration
Statements") as may be necessary to comply with the provisions of the Securities
Act with respect to the disposition of all securities covered by such
Supplemental Registration Statements or such prior Registration Statement and to
cover the resale of all Registrable Securities.

               (c) Furnish to the Holders such numbers of copies of a
prospectus, including a

                                       4
<PAGE>   5

preliminary prospectus, in conformity with the requirements of the Securities
Act, and such other documents as they may reasonably request in order to
facilitate the disposition of Registrable Securities owned by them.

               (d) Use its best efforts to register and qualify the securities
covered by such Registration Statement under such other securities or Blue Sky
laws of the jurisdictions in which the Holders are located, of such other
jurisdictions as shall be reasonably requested by the Holders of the Registrable
Securities covered by such Registration Statement and of all other jurisdictions
where legally required, provided that the Company shall not be required in
connection therewith or as a condition thereto to qualify to do business or to
file a general consent to service of process in any such states or
jurisdictions.

               (e) As promptly as practicable after becoming aware of such
event, notify each Holder of Registrable Securities of the happening of any
event of which the Company has knowledge, as a result of which the prospectus
included in the Registration Statement, as then in effect, includes an untrue
statement of a material fact or omits to state a material fact required to be
stated therein or necessary to make the statements therein, in light of the
circumstances under which they were made, not misleading, use its best efforts
promptly to prepare a supplement or amendment to the Registration Statement to
correct such untrue statement or omission, and deliver a number of copies of
such supplement or amendment to each Holder as such Holder may reasonably
request.

               (f) Provide Holders with notice of the date that a Registration
Statement or any Supplemental Registration Statement registering the resale of
the Registrable Securities is declared effective by the SEC, and the date or
dates when the Registration Statement is no longer effective.

               (g) Provide Holders and their representatives the opportunity and
a reasonable amount of time, based upon reasonable notice delivered by the
Company, to conduct a reasonable due diligence inquiry of Company's pertinent
financial and other records and to reasonably make available its officers and
directors for questions regarding such information as it relates to information
contained in the Registration Statement.

               (h) Provide Holders and their representatives the opportunity to
review the Registration Statement and all amendments or supplements thereto
prior to their filing with the SEC by giving the Holders at least ten (10)
business days advance written prior to such filing.

               (i) Provide each Holder with prompt notice of the issuance by the
SEC or any state securities commission or agency of any stop order suspending
the effectiveness of the Registration Statement or the initiation of any
proceeding for such purpose. The Company shall use its best efforts to prevent
the issuance of any stop order and, if any is issued, to obtain the removal
thereof at the earliest possible date.

               (j) Use its best efforts to list the Registrable Securities
covered by the Registration Statement with all securities exchanges or markets
on which the Common Stock is then listed and prepare and file any required
filing with the National Association of Securities

                                       5
<PAGE>   6

Dealers ("NASD"), American Stock Exchange, New York Stock Exchange and any other
exchange or market on which the Common Stock is listed.

        4. Piggyback Registration. If anytime prior to the date that the
Registration Statement is declared effective or during any Ineffective Period
(as defined in the Investment Agreement) the Company proposes to register
(including for this purpose a registration effected by the Company for
shareholders other than the Holders) any of its Common Stock under the
Securities Act in connection with the public offering of such securities solely
for cash (other than a registration relating solely for the sale of securities
to participants in a Company stock plan or a registration on Form S-4
promulgated under the Securities Act or any successor or similar form
registering stock issuable upon a reclassification, upon a business combination
involving an exchange of securities or upon an exchange offer for securities of
the issuer or another entity), the Company shall, at such time, promptly give
each Holder written notice of such registration (a "Piggyback Registration
Statement"). Upon the written request of each Holder given by fax within ten
(10) days after delivery of such notice by the Company, the Company shall cause
to be included in such registration statement under the Securities Act all of
the Registrable Securities that each such Holder has requested to be registered
("Piggyback Registration") to the extent such inclusion does not violate the
registration rights of any other security holder of the Company granted prior to
the date hereof; provided, however, that nothing herein shall prevent the
Company from withdrawing or abandoning such registration statement prior to its
effectiveness.

        5. Limitation on Obligations to Register under a Piggyback Registration.
In the case of a Piggyback Registration pursuant to an underwritten public
offering by the Company, if the managing underwriter determines and advises in
writing that the inclusion in the related Piggyback Registration Statement of
all Registrable Securities proposed to be included would interfere with the
successful marketing of the securities proposed to be registered by the Company,
then the number of such Registrable Securities to be included in such Piggyback
Registration Statement, to the extent any such Registrable Securities may be
included in such Piggyback Registration Statement, shall be allocated among all
Holders who had requested Piggyback Registration pursuant to the terms hereof,
in the proportion that the number of Registrable Securities which each such
Holder seeks to register bears to the total number of Registrable Securities
sought to be included by all Holders. If required by the managing underwriter of
such an underwritten public offering, the Holders shall enter into an agreement
limiting the number of Registrable Securities to be included in such Piggyback
Registration Statement and the terms, if any, regarding the future sale of such
Registrable Securities. If any registration in which the Holder is participating
shall be in connection with an underwritten public offering, (not including the
Registration Statement filed for resale of the Put Shares, as defined in the
Investment Agreement), the Holder of Registrable Securities agrees not to effect
any public sale or distribution, including any sale pursuant to Rule 144 under
the Securities Act, of any Registrable Securities, and to use the Holder's best
efforts not to effect any such public sale or distribution of any other equity
security of the Company (in each case, other than as part of such underwritten
public offering) during the period commencing thirty (30) days before and ending
on the expiration of the time period during which the directors and officers of
the Company are subject to a lock-up agreement, provided that such lock-ups
shall not apply if the Holder elects not to be included in such Piggyback
Registration.

                                       6
<PAGE>   7

        6. Dispute as to Registrable Securities. In the event the Company
believes that shares sought to be registered under Section 2 or Section 4 by
Holders do not constitute "Registrable Securities" by virtue of Section 2.1 of
this Agreement, and the status of those shares as Registrable Securities is
disputed, the Company shall provide, at its expense, an Opinion of Counsel,
reasonably acceptable to the Holders of the Securities at issue (and
satisfactory to the Company's transfer agent to permit the sale and transfer),
that those securities may be sold immediately, without volume limitation or
other material restrictions, without registration under the Securities Act.

        7. Furnish Information. At the Company's request, each Holder shall
furnish to the Company such information regarding Holder, the Registrable
Securities held by it, and the intended method of disposition of such securities
to the extent required to effect the registration of its Registrable Securities
or to determine that registration is not required pursuant to Rule 144 or other
applicable provision of the Securities Act. The Company shall include all
information provided by such Holder pursuant hereto in the Registration
Statement, substantially in the form supplied, except to the extent such
information is not permitted by law.

        8. Expenses. All expenses, other than commissions and fees and expenses
of counsel to the selling Holders, incurred in connection with registrations,
filings or qualifications pursuant hereto, including (without limitation) all
registration, filing and qualification fees, printers' and accounting fees, fees
and disbursements of counsel for the Company, shall be borne by the Company.

        9. Indemnification. In the event any Registrable Securities are included
in a Registration Statement under this Agreement:

               (a) To the extent permitted by law, the Company will indemnify
and hold harmless each Holder, the officers, directors, partners, legal counsel,
and accountants of each Holder, any underwriter (as defined in the Securities
Act, or as deemed by the SEC, or as indicated in a Registration Statement) for
such Holder and each person, if any, who controls such Holder or underwriter
within the meaning of Section 15 of the Securities Act or the Exchange Act,
against any losses, claims, damages, or liabilities (joint or several) to which
they may become subject under the Securities Act, the Exchange Act or other
federal or state law, insofar as such losses, claims, damages, or liabilities
(or actions in respect thereof) arise out of or are based upon any of the
following statements or omissions: (i) any untrue statement or alleged untrue
statement of a material fact contained in such Registration Statement, including
any preliminary prospectus or final prospectus contained therein or any
amendments or supplements thereto, or (ii) the omission or alleged omission to
state therein a material fact required to be stated therein, or necessary to
make the statements therein not misleading, and the Company will reimburse each
such Holder, officer or director, underwriter or controlling person for any
legal or other expenses reasonably incurred by them in connection with
investigating or defending any such loss, claim, damage, liability, or action;
provided, however, that the indemnity agreement contained in this subsection
9(a) shall not apply to amounts paid in settlement of any such loss, claim,
damage, liability, or action if such settlement is effected without the consent
of the Company (which consent shall not be unreasonably withheld), nor shall the
Company be liable in any such case for any such loss, claim, damage, liability,
or action to the extent that it arises

                                       7
<PAGE>   8

out of or is based upon a violation which occurs in reliance upon and in
conformity with written information furnished expressly for use in connection
with such registration by any such Holder, officer, director, underwriter or
controlling person; provided however, that the above shall not relieve the
Company from any other liabilities which it might otherwise have.

               (b) Each Holder of any securities included in such registration
being effected shall indemnify and hold harmless the Company, its directors and
officers, legal counsel and accountants, each underwriter and each other person,
if any, who controls (within the meaning of the Securities Act) the Company or
such other indemnified party, against any liability, joint or several, to which
any such indemnified party may become subject under the Securities Act or any
other statute or at common law, insofar as such liability (or actions in respect
thereof) arises out of or is based upon (i) any untrue statement or alleged
untrue statement of any material fact contained in any Registration Statement
under which securities were registered under the Securities Act at the request
of such Holder, any preliminary prospectus or final prospectus contained
therein, or any amendment or supplement thereto, or (ii) any omission or alleged
omission by such Holder to state therein a material fact required to be stated
therein or necessary to make the statements therein not misleading, to the
extent, but only to the extent, that such untrue statement or alleged untrue
statement or omission or alleged omission was made in such Registration
Statement, preliminary or final prospectus, amendment or supplement thereto in
reliance upon and in conformity with information furnished in writing to the
Company by such Holder specifically for use therein. Such Holder shall reimburse
any indemnified party for any legal fees incurred in investigating or defending
any such liability; provided, however, that such Holder's obligations hereunder
shall be limited to an amount equal to the proceeds to such Holder of the
securities sold in any such registration; and provided further, that no Holder
shall be required to indemnify any party against any liability arising from any
untrue or misleading statement or omission contained in any preliminary
prospectus if such deficiency is corrected in the final prospectus or for any
liability which arises out of the failure of such party to deliver a prospectus
as required by the Securities Act.

               (c) Promptly after receipt by an indemnified party under this
Section 9 of notice of the commencement of any action (including any
governmental action), such indemnified party will, if a claim in respect thereof
is to be made against any indemnifying party under this Section 9, deliver to
the indemnifying party a written notice of the commencement thereof and the
indemnifying party shall have the right to participate in, and, to the extent
the indemnifying party so desires, jointly with any other indemnifying party
similarly noticed, to assume, the defense thereof with counsel mutually
satisfactory to the parties; provided, however, that an indemnified party shall
have the right to retain its own counsel, with the reasonably incurred fees and
expenses of one such counsel to be paid by the indemnifying party, if
representation of such indemnified party by the counsel retained by the
indemnifying party would be inappropriate due to actual or potential conflicting
interests between such indemnified party and any other party represented by such
counsel in such proceeding. The failure to deliver written notice to the
indemnifying party within a reasonable time of the commencement of any such
action, if materially prejudicial to its ability to defend such action, shall
relieve such indemnifying party of any liability to the indemnified party under
this Section 9, but the omission so to deliver written notice to the
indemnifying party will not relieve it of any liability that it may have to any
indemnified party otherwise than under this Section 9.

                                       8
<PAGE>   9

               (d) In the event that the indemnity provided in paragraphs (a)
and/or (b) of this Section 9 is unavailable to or insufficient to hold harmless
an indemnified party for any reason, the Company and each Holder agree to
contribute to the aggregate claims, losses, damages and liabilities (including
legal or other expenses reasonably incurred in connection with investigating or
defending same) (collectively "Losses") to which the Company and one or more of
the Holders may be subject in such proportion as is appropriate to reflect the
relative fault of the Company and the Holders in connection with the statements
or omissions which resulted in such Losses. Relative fault shall be determined
by reference to whether any alleged untrue statement or omission relates to
information provided by the Company or by the Holders. The Company and the
Holders agree that it would not be just and equitable if contribution were
determined by pro rata allocation or any other method of allocation that does
not take account of the equitable considerations referred to above.
Notwithstanding the provisions of this paragraph (d), no person guilty of
fraudulent misrepresentation (within the meaning of Section 11(f) of the
Securities Act) shall be entitled to contribution from any person who was not
guilty of such fraudulent misrepresentation. For purposes of this Section 9,
each person who controls a Holder of Registrable Securities within the meaning
of either the Securities Act or the Exchange Act and each director, officer,
partner, employee and agent of a Holder shall have the same rights to
contribution as such holder, and each person who controls the Company within the
meaning of either the Securities Act or the Exchange Act and each director and
officer of the Company shall have the same rights to contribution as the
Company, subject in each case to the applicable terms and conditions of this
Section 9(d).

               (e) The obligations of the Company and Holders under this Section
9 shall survive the resale, if any, of the Common Stock, the completion of any
offering of Registrable Securities in a Registration Statement under this
Agreement, and otherwise.

            10. Reports Under Exchange Act. With a view to making available to
the Holders the benefits of Rule 144 promulgated under the Securities Act and
any other rule or regulation of the SEC that may at any time permit a Holder to
sell securities of the Company to the public without registration, from and
after the date on which the Company becomes a Reporting Person the Company
agrees to:

               (a) make and keep public information available, as those terms
are understood and defined in Rule 144; and

               (b) use its best efforts to file with the SEC in a timely manner
all reports and other documents required of the Company under the Securities Act
and the Exchange Act.

            11. Amendment of Registration Rights. Any provision of this
Agreement may be amended and the observance thereof may be waived (either
generally or in a particular instance and either retroactively or
prospectively), only with the written consent of the Company and the written
consent of each Holder affected thereby. Any amendment or waiver effected in
accordance with this paragraph shall be binding upon each Holder, each future
Holder, and the Company.

                                       9
<PAGE>   10

        12. Notices. All notices required or permitted under this Agreement
shall be made in writing signed by the party making the same, shall specify the
section under this Agreement pursuant to which it is given, and shall be
addressed if to (i) the Company at: SolutionsAmerica, Inc.; Attn: Floyd W.
Kephart, Chairman and CEO; 600 Corporate Point, 12th Floor; Culver City, CA
90230; Telephone: (310) 665-7660, Facsimile: (310) 665-7606 (or at such other
location as directed by the Company in writing) and (ii) the Holders at their
respective last address as the party as shown on the records of the Company. Any
notice, except as otherwise provided in this Agreement, shall be made by fax and
shall be deemed given at the time of transmission of the fax.

        13. Termination. This Agreement shall terminate on the date all
Registrable Securities cease to exist as Registrable Securities (as that term is
defined in Section 2.1 hereof); but without prejudice to (i) the parties' rights
and obligations arising from breaches of this Agreement occurring prior to such
termination (ii) other indemnification obligations under this Agreement.

        14. Assignment. No assignment, transfer or delegation, whether by
operation of law or otherwise, of any rights or obligations under this Agreement
by the Company or any Holder, respectively, shall be made without the prior
written consent of the majority in interest of the Holders or the Company,
respectively; provided that the rights of a Holder may be transferred to a
subsequent holder of the Holder's Registrable Securities (provided such
transferee shall provide to the Company, together with or prior to such
transferee's request to have such Registrable Securities included in a
Registration, satisfactory evidence of the assignment and a writing executed by
such transferee agreeing to be bound as a Holder by the terms of this
Agreement), and the Company hereby agrees to file an Amended Registration
Statement including such transferee or a selling security holder thereunder; and
provided further that the Company may transfer its rights and obligations under
this Agreement to (i) Avenue Entertainment Group, Inc. ("Avenue") in connection
with the Company's proposed reorganization with Avenue or (ii) to a purchaser of
all or a substantial portion of its business if the obligations of the Company
under this Agreement are assumed in connection with such transfer, either by
merger or other operation of law (which may include without limitation a
transaction whereby the Registrable Securities are converted into securities of
the successor in interest) or by specific assumption executed by the transferee.

        15. Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Georgia applicable to agreements made
in and wholly to be performed in that jurisdiction, except for matters arising
under the Securities Act or the Exchange Act, which matters shall be construed
and interpreted in accordance with such laws. Any dispute arising out of or
relating to this Agreement or the breach, termination or validity hereof shall
be finally settled by the federal or state courts located in Fulton County,
Georgia.

        16. Execution in Counterparts Permitted. This Agreement may be executed
in any number of counterparts, each of which shall be enforceable against the
parties actually executing such counterparts, and all of which together shall
constitute one (1) instrument.

                                       10
<PAGE>   11

        17. Specific Performance. The Holder shall be entitled to the remedy of
specific performance in the event of the Company's breach of this Agreement, the
parties agreeing that a remedy at law may be inadequate.

        18. Entire Agreement; Written Amendments Required. This Agreement,
including the Exhibits attached hereto, the Investment Agreement, the Common
Stock certificates, and the other documents delivered pursuant hereto or thereto
constitute the full and entire understanding and agreement between the parties
with regard to the subjects hereof and thereof, and no party shall be liable or
bound to any other party in any manner by any warranties, representations or
covenants except as specifically set forth herein or therein. Except as
expressly provided herein, neither this Agreement nor any term hereof may be
amended, waived, discharged or terminated other than by a written instrument
signed by the party against whom enforcement of any such amendment, waiver,
discharge or termination is sought.

        IN WITNESS WHEREOF, the undersigned have executed this Agreement as of
this 18th day of July, 2000.

                                        SOLUTIONSAMERICA, INC.
                                        a Delaware Corporation

                                        By: /s/ FLOYD W. KEPHART
                                           -------------------------------------
                                           Floyd W. Kephart, Chairman & CEO

                                   Address:   600 Corporate Pointe, 12th Floor
                                              Culver City, CA 90230
                                              Telephone: (310) 665-7660
                                              Facsimile: (310) 665-7606

                                        SUBSCRIBER:

                                        SWARTZ PRIVATE EQUITY, LLC.

                                        By: /s/ ERIC S. SWARTZ
                                           -------------------------------------
                                           Eric S. Swartz, Manager

                                   Address:    1080 Holcomb Bridge Road
                                               Bldg. 200, Suite 285
                                               Roswell, GA 30076
                                               Telephone: (770) 640-8130
                                               Facsimile: (770) 640-7150

                                       11

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