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                                                                    EXHIBIT 4.32

                                  AGREEMENT

       THIS AGREEMENT (the "Agreement") is entered into as of July 18, 2000, by
and between SOLUTIONSAMERICA, INC., a corporation duly organized and existing
under the laws of the State of Delaware (the "Company") and Swartz Private
Equity, LLC, a limited liability company duly organized and existing under the
laws of the State of Georgia (hereinafter referred to as "Swartz").

                                   RECITALS:

       WHEREAS, pursuant to the Company's offering ("Equity Line") 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 (the "Investment Agreement") between the Company and Swartz dated July
18, 2000, the Company has agreed to sell and Swartz 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); and

       WHEREAS, pursuant to the terms of the Investment Agreement, the Company
has agreed, among other things, to issue to Swartz Commitment Warrants, 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.

                                     TERMS:

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

1. Issuance of Commitment Warrants. As compensation for entering into the Equity
Line, Swartz received a warrant convertible into 600,000 shares of the Company's
Common Stock, in the form attached hereto as Exhibit A (the "Commitment
Warrants"), the number of which will not be adjusted for either (i) the
Company's approximately 4-for-1 stock split which occurred on June 23, 2000, or
(ii) the proposed merger with Avenue Entertainment Group (the "Avenue Merger"),
provided that, to the extent that the Company has more than fifteen million
(15,000,000) shares of Common Stock outstanding immediately after the closing
date of the Avenue Merger, the Company shall issue to Swartz, within ten (10)
business days of such closing, additional warrants (the "Additional Warrants"),
in the form of Exhibit A, to purchase a number of shares of Common Stock, such
that the sum of the number of Warrants and the number of Additional Warrants
issued to Swartz shall equal at least 4.0% of the number of fully diluted shares
of Common Stock of the Company that are outstanding immediately following the
closing of the Avenue Merger.

2. Issuance of Additional Warrants. At the earlier of (i) January 31, 2001 or
(ii) the date of the first Put Notice delivered to Swartz pursuant to the
Investment Agreement, if the number of shares of Common Stock of the Company
that are issued and outstanding at that time exceeds fifteen million
(15,000,000) shares, as adjusted for any stock splits that occur after the date

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hereof, then Swartz shall receive additional warrants (also "Additional
Warrants"), to purchase a number of shares of Common Stock, if necessary, such
that the sum of the number of Commitment Warrants and the number of Additional
Warrants issued to Swartz shall equal at least 4% of the number of fully diluted
shares of Common Stock of the Company that are then outstanding.

If the Company shall at any time hereafter until the later of July 31, 2003 or
the date of termination of the Investment Agreement, 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 on the date of such Reverse
Stock Split, and on each one year anniversary (each, an "Anniversary Date") of
the Reverse Stock Split thereafter until the later of July 31, 2003 or the date
of termination of the Investment Agreement, the Company shall issue to Swartz
additional warrants (the "Additional Warrants"), in the form of Exhibit A, to
purchase a number of shares of Common Stock, if necessary, such that the sum of
the number of Warrants and the number of Additional Warrants issued to Swartz
shall equal at least 4.0% of the number of fully diluted shares of Common Stock
of the Company that are outstanding immediately following the Reverse Stock
Split or Anniversary Date, as applicable. Notwithstanding the above, the
Investor shall not receive any Additional Warrants as a result of a Reverse
Stock Split if (i) the Company effects such Reverse Stock Split in order to meet
the minimum requirements for listing on the Nasdaq Small Cap Market, the Nasdaq
National Market or the American Stock Exchange (collectively, the "Exchanges")
and (ii) the Company becomes listed on one of the Exchanges within ninety (90)
days of the date of such Reverse Stock Split.

The Additional Warrants shall be exerciseable at the same price as the
Commitment Warrants, shall have the same reset provisions as the Commitment
Warrants, shall have piggyback registration rights and shall expire at the same
time as the Commitment Warrants.

3. Opinion of Counsel. Concurrently with the issuance and delivery of the
Additional Warrants, if any, to the Investor, the Company shall deliver to the
Investor an Opinion of Counsel (signed by the Company's independent counsel)
covering the issuance of the Additional Warrants, and the issuance and resale of
the Common Stock issuable upon exercise of the Additional Warrants,
substantially in the form of the Commitment Opinion (as defined in the
Investment Agreement).

4. 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 Act or the Securities Exchange Act of 1934, which matters shall be
construed and interpreted in accordance with such laws.

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

SOLUTIONSAMERICA, INC.                       SUBSCRIBER:
                                             SWARTZ PRIVATE EQUITY, LLC.

By:  /s/ FLOYD W. KEPHART               By:     /s/ ERIC S. SWARTZ
   ----------------------------------      -------------------------------------
     Floyd W. Kephart Chairman & CEO            Eric S. Swartz, Manager

SolutionsAmerica, Inc.                  1080 Holcomb Bridge Road
600 Corporate Pointe, 12th Floor        Bldg. 200, Suite 285
Culver City, CA 90230                   Roswell, GA 30076
Telephone: (310) 665-7660               Telephone: (770) 640-8130
Facsimile: (310) 665-7606               Facsimile: (770) 640-7150

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                                                                    EXHIBIT 10.1

                                PROMISSORY NOTE

$200,000.00                                              Los Angeles, California
                                                                  March 20, 2000

        1. For value received, the undersigned, SOLUTIONSAMERICA, INC., a
Delaware corporation (the "Borrower"), promises to pay to Roger Presburger, as
TRUSTEE OF THE PRESBURGER FAMILY TRUST (the "Lender"), the principal sum of TWO
HUNDRED THOUSAND DOLLARS ($200,000.00) (the "Principal"), together with interest
on the Principal at the rate equal to 10% per year (calculated on a basis of a
year of 365 days). Payments will be allocated first to accrued and unpaid
interest and then to principal. Accrued interest shall be due and payable when
and as the Principal balance is due payable. The entire unpaid balance of
Principal and all accrued but unpaid interest thereon shall be due and payable
on November 1, 2000.

        2. If the Borrower defaults in the payment of Principal or interest when
due pursuant to the terms hereof, then unless otherwise prohibited by law, the
Lender shall have the option, without demand or notice, to declare the entire
Principal balance of this Note, together with all accrued and unpaid interest,
to be immediately due and payable. In connection with any occurrence of an event
described above, the Lender shall have a right of set-off with respect to any
sums owing to the Borrower by the Lender for any reason and any sums owing to
the Lender hereunder.

        3.     This Note is a full-recourse note.

        4. If an action is instituted for collection of this Note, the Borrower
agrees to pay court costs and reasonable attorney's fees incurred by the holder
hereof.

        5. This Note may be amended or modified, and provisions hereof may be
waived, only by the written agreement of the Borrower and the Lender. No delay
or failure by the Lender in exercising any right, power or remedy hereunder
shall operate as a waiver of such right, power or remedy, and a waiver of any
right, power or remedy on any one occasion shall not operate as a bar or waiver
of any such right, power or remedy on any other occasion. Without limiting the
generality of the foregoing, the delay or failure by the Lender for a period of
time to enforce collection of any amounts due hereunder shall not be deemed to
be a waiver of any rights of the Lender under contract or under law. The rights
of the Lender under this are in addition to any other rights and remedies which
the Lender may have.

        6. The Principal and all accrued but unpaid interest may be prepaid
without penalty, in whole or in part, at any time. All amounts

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payable hereunder shall be payable in lawful money of the United States of
America.

        7. This Note shall be construed and enforced in accordance with, and the
rights of the parties shall be governed by, the laws of the State of California.

        IN WITNESS WHEREOF, the undersigned executes this Note as of the date
first written above.

                                            SOLUTIONSAMERICA, INC.,
                                            a Delaware corporation

                                            By:
                                               ---------------------------------
                                                   Gary Horowitz, President
                                                   and Chief Operating Officer

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