Court filing
Exhibit — USA v. SHEPPARD (Dkt. 205.4)
Filed February 2, 2024 in USA v. SHEPPARD; one of 253 filings from this case.
Record facts
| Court | U.S. District Court for the Southern District of Florida |
|---|---|
| Filed | 2024-02-02 |
U.S. District Court for the Southern District of Florida · No. 1:22-cr-20290-BB · Doc. 205-4 · 2024-02-02 · Docket on CourtListener
Full text
Case 1:22-cr-20290-BB Document 205-4 Entered on FLSD Docket 02/02/2024 Page 1 of 8
EXHIBIT “D”
Case 1:22-cr-20290-BB Document 205-4 Entered on FLSD Docket 02/02/2024 Page 2 of 8
1/19/22, 11:15 AM Opportunity: CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross River Bank) ~ Salesforce - Performance Edition
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CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross
Shortcut River Bank)
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TaxReturn.pdf
invoice ppp-TaxReturn.pdf
Pearl Capital changed Stage from Contract Sent to Contract Received.
invoice ppp 3-TaxReturn.pdf
Comment · Like · March 25, 2021 at 1:35 PM
invoice ppp 2-TaxReturn.pdf
cntct_report_00...
cntct_bk_search...
Pearl Capital changed Stage from Offer(s) Sent to ISO to Contract Sent.
biz_search_ln_0...
Comment · Like · March 25, 2021 at 12:34 PM
biz_report_0014...
biz_bk_search_0...
Dina Feldman changed Stage from Produce Offers to Offer(s) Sent to ISO.
Custom Links Comment · Like · March 25, 2021 at 10:26 AM
The Report
The Report w/Horizon Integration User changed Stage from Credit Pull to Produce Offers.
Redistribution Report Comment · Like · March 13, 2021 at 2:00 AM
Declines Report
Renewal Queues
Funding Sheet Reports Integration User changed Stage from Start Underwriting to Credit Pull.
Funding Call Queues
Comment · Like · March 13, 2021 at 2:00 AM
Messages and Alerts
Integration User changed Opportunity Name from HM MANAGEMENT AND
DEVELOPMENT - Submitted 2021-03-12 (Cross River Bank) to
CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross River Bank).
Comment · Like · March 12, 2021 at 10:42 PM
Integration User changed Opportunity Name from HM MANAGEMENT AND
Recycle Bin DEVELOPMENT - Submitted 2021-03-12 (Pearl) to HM MANAGEMENT AND
DEVELOPMENT - Submitted 2021-03-12 (Cross River Bank).
Comment · Like · March 12, 2021 at 10:13 PM
Integration User changed Opportunity Owner from Integration User to Ira
Zlotowitz.
Comment · Like · March 12, 2021 at 10:13 PM
Contact Roles [1] | Statements [1] | DocuSign Status [0] | Contract Suggestions [1] | Notes & Attachments [0] | Open Activities [0] | Activity History [5+] |
Opportunity Field History [5+] | Opportunity History 2 [0] | Stage History [5+] | Merchant Applications [3] | Opportunity Team [0]
Opportunity Detail Edit Current Status Get Files
Opportunity Name CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross River Bank)
DBA Name CONSTRUCTION SERVICE X .
Account Name HM Management and Development LLC Opportunity Record Type SBA [Change]
Preferred Phone Account Phone Stage Contract Received
Preferred Email eric.sheppard10@gmail.com Sub-Stage Auto-Pricing Offered
Funding Company Cross River Bank
Auto-Scrub Eligible
Start Mo. & Year 11/2011 Auto-Scrub Source
Tax ID 45-4004219 Auto-Scrub Message Skipping Bank Scrub
Deal Score
Product Type SBA Rush
https://pearlcapital--sbadata.my.salesforce.com/0064X00001pWLYd?srPos=0&srKp=006 1/7
SHEPP_000110
Case 1:22-cr-20290-BB Document 205-4 Entered on FLSD Docket 02/02/2024 Page 3 of 8
1/19/22, 11:15 AM Opportunity: CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross River Bank) ~ Salesforce - Performance Edition
Sky Bridge Partner Priority Standard
Referral Source Eastern Union Funding, LLC 2
SBA Agent Name Eastern Union Funding, LLC 2 Don't Fund
Don't Fund Reason
Don't Fund Notes
Application Link file:///S:/Accounts/HM/HM Management and
Development LLC/Opportunities/Submitted 2021-
03-12 (Cross River Bank)~4322
---PREVIOUS OPP--- file:///S:/Accounts/HM/HM Management and
Application Link Development LLC/Opportunities/Submitted 2021-
01-19 (Cross River Bank)~5832
ISO & Rep
ISO Cross River Opportunity Owner Ira Zlotowitz [Change]
ISO Contact Jake Lerner CR
ISO Contact Email jake.lerner@pearlcash.com In House Rep
In House Rep email jake.lerner@pearlcash.com
ISO Comment
ISO Comment Needs Review
Skip Credit Pull
Use Rep Offer
SBA Loan Info
Gross Monthly Payroll $59,436.67 Gross Monthly Implied $0.00
Payroll
Average Monthly Payroll $59,436.66 Average Monthly Implied ($0.01)
Payroll
Outstanding EIDL Amount $0.00
Total Loan Request Amount $148,591.65 Total Loan Implied Amount ($0.02)
Sched C Filer Preference
Prior PPP Loan Submission Date/Time 3/12/2021 10:12 PM
Prior CRB Loan NAICS Code 236220
Prior PPP Loan Number SBA Task Assignment Enxhi Agushi
Prior PPP Loan Amount
Attestation BKR:N,DLQ:N,ADA:N,CHG:N,FEL:N,USA:Y,ADB:N,FRA:N,DCL:,
Purpose of the loan Payroll; Utilities; Covered Worker Protection Expenditures
Purpose of the loan notes
Loan Revision Notes Insufficent Tax Documentation to make a decision
Gross adjusted from 59436.67 -> 0.0 from
Net Monthly Payroll adjusted from 59436.66 -> -0.01 based on above line items
LOAN AMOUNT NOT UPDATED
Sent to manual as implied amount is less than 20% of requested amount
940 form missing
SBA System Info
Service is currently busy. Please reload the page to try again.
SBA COS/Etran
ETran Status SbaApproved SBA Loan Id 7899588609
ETran Status Reason SBA Loan Date 3/24/2021
Resend to ETran SBA Approved Amount $148,591.00
Resend to ETran Reason SBA Loan Payment $2,540.91
https://pearlcapital--sbadata.my.salesforce.com/0064X00001pWLYd?srPos=0&srKp=006 2/7
SHEPP_000111
Case 1:22-cr-20290-BB Document 205-4 Entered on FLSD Docket 02/02/2024 Page 4 of 8
1/19/22, 11:15 AM Opportunity: CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross River Bank) ~ Salesforce - Performance Edition
SBA Arix
Arix Status ReadyToSell Signed Contract Rcvd. 3/25/2021 1:35 PM
Arix Note Date 3/24/2021 Sent to Arix
Resend to Arix Docs Uploaded
Resend to Arix Reason
ISO Offer
PC Version PC 2.0 PC2 Max Factor
Matrix Type ap_std Commission
PC2 Max Term 480
UW Term Adjustment
UW Capped Funded Amount $1,999,999.00
Max Funded Amount $0.00 Key Hash
Max Daily Payment $50,000.00
Factor Max Term Range Short
Factor Min Term Range Long
Loss Point Upsell Min Comm Short
Check Offer Max Min Comm Long
UW Analysis
Projected Monthly Deposit $999,999.00 Pre-Money Withhold Estimate $0.00
Volume (Monthly)
Daily Pmt Other Funder 1 $0.00 Pre-Money Withhold % 0.00%
Daily Pmt Other Funder 2 $0.00
Daily Pmt Addtl Funders $0.00
Target Post-Money Withhold 0.30% Post-Money Monthly $3,000.00
% Withhold
House Monthly Withhold $3,000.00
UW Analysis Notes 3.22 - Enxhi Agushi- Loan amount reflects tax Target Daily Payment $136.36
form 940
Research Industry
Research Industry Notes
Underwriting > Bank Statements
Account Ending In Avg Monthly Deposits
Avg Deposit Volume SIC Description
Seasonal Mo. Volume NAICS Description
Most Recent Month 1 MTD Notes
# of OLs for Most Recent 0 MTD Adv. Notes
Month
Statement Month 1 01 - January Mo.1 OL 1 Advance
Mo.1 Deposit Volume $0 Mo.1 OL 1 Daily Payback
Mo.1 No. Deposits Mo.1 OL 2 Advance
Mo.1 Avg Daily Balance Mo.1 OL 2 Daily Payback
Mo.1 Days Negative Mo.1 No. Addtl Lenders
Mo.1 No. Days With Returned Mo.1 AL Payback Amt.
Items
Mo.1 No. Returned Items
Mo.1 Issues
Mo.1 Notes
Mo.1 Adv. Notes
Mo.1 Suspected OL Notes Mo.2 OL 1 Advance
Mo.2 OL 1 Daily Payback
Statement Month 2 02 - February Mo.2 OL 2 Advance
Mo.2 Deposit Volume $0 Mo.2 OL 2 Daily Payback
Mo.2 No. Deposits Mo.2 No. Addtl Lenders
Mo.2 Avg Daily Balance Mo.2 AL Payback Amt.
Mo.2 Days Negative
Mo.2 No. Days With Returned
Items
Mo.2 No. Returned Items
https://pearlcapital--sbadata.my.salesforce.com/0064X00001pWLYd?srPos=0&srKp=006 3/7
SHEPP_000112
Case 1:22-cr-20290-BB Document 205-4 Entered on FLSD Docket 02/02/2024 Page 5 of 8
1/19/22, 11:15 AM Opportunity: CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross River Bank) ~ Salesforce - Performance Edition
Mo.2 Issues
Mo.2 Notes Mo.3 OL 1 Advance
Mo.2 Adv. Notes Mo.3 OL 1 Daily Payback
Mo.2 Suspected OL Notes Mo.3 OL 2 Advance
Mo.3 OL 2 Daily Payback
Statement Month 3 03 - March Mo.3 No. Addtl Lenders
Mo.3 Deposit Volume $0 Mo.3 AL Payback Amt.
Mo.3 No. Deposits
Mo.3 Avg Daily Balance
Mo.3 Days Negative
Mo.3 No. Days With Returned
Items
Mo.3 No. Returned Items
Mo.3 Issues
Mo.3 Notes
Mo.3 Adv. Notes
Mo.3 Suspected OL Notes
Auto-Scrub Notes
Underwriting > Secondary Statements
2nd Stmt. Acct Ending In
2nd Statement Notes
2nd Stmt Mo.1 Adv. Notes 2nd Stmt Mo.1 Dep Volume
2nd Stmt Mo.2 Adv. Notes 2nd Stmt Mo.2 Dep Volume
2nd Stmt Mo.3 Adv. Notes 2nd Stmt Mo.3 Dep Volume
Underwriting > Scrubbing
Underwriter Pearl Capital Underwriting Scrubber Auto Scrub User
Underwriter Email jordankatz@pearlcash.com Scrubbing Complete 3/13/2021
Funding Underwriter
Funding Underwriter Email Suspected Fraud
Request Documents Suspected Fraud Notes
Doc. Review Notes Re-scrub Request
Re-scrub Notes
Auto-Pricing Eligible
Auto-Pricing Support Supported scrub
Auto-Pricing Message 940
Internal Insufficient Tax Documents
Loan Amount
Auto-Pricing Manual Review
Auto-Pricing Notes
Underwriting > LaserCredit Pull
Credit Score 0 Bankruptcy
Public Records
Trade Accounts
Underwriting > LaserCredit Pull (Second Owner)
Credit Score 0 Bankruptcy
Public Records
Trade Accounts
Documents
https://pearlcapital--sbadata.my.salesforce.com/0064X00001pWLYd?srPos=0&srKp=006 4/7
SHEPP_000113
Case 1:22-cr-20290-BB Document 205-4 Entered on FLSD Docket 02/02/2024 Page 6 of 8
1/19/22, 11:15 AM Opportunity: CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross River Bank) ~ Salesforce - Performance Edition
FILE EXPLORER
0064X00001PWLYDQAO
0064X00001pWLYdQAO 0064X00001pWLYdQAO
0 Items • Sorted by Created Date Search
Approval with Terms > Single Offer
SF. Offer Amount $148,592 SF. Payback $150,078
SF. No. Days to Repay 480 SF. Fixed Payment Amount $313
SF. Factor Rate 1.010000 SF. One Time ACH Fee $4,458
SF. Hold Back % 1% SF. Days Until Renewal 408
Repay % for Renewal 85% Offer Changed?
Approval with Terms > Closing Documents & Notes
Deal Type ACH Approved for ISO 3/25/2021
Payment Days of Week Monday; Tuesday; Wednesday; Thursday; Friday Underwriter Score F25
Syndication Percentage
Syndication Required
Stips Required Bank Activity; Driver's License; Void Check
Approval Stips Required
Approval Notes
Proof of Ownership Required
Revenue Verification
Required
Contract Received > Contract Review
PSF Withheld Contract Signed On
Bank Fees $4,458
Contract Amount
Unable to determine Start
Mo/Yr
Contract Received > Bank Account & Routing
Account Number (DDA) 1000261807571 Routing Number (ABA) 061000104
Confirm Account (DDA) 1000261807571 Confirm Routing (ABA) 061000104
Bank Name
Public Records Search
Lexis Pre-Screen Notes [HM Management and Development LLC:
Judgments 0; Bankruptcies 0; Tax Liens 1;
Lawsuits 0]
[Eric Sheppard: Judgments 5; Bankruptcies 0;
Tax Liens 2; Criminal 9 (9); Prison 0]
SentiLink Score
Lexis Pulled?
Funding > Instruction & Confirmation
https://pearlcapital--sbadata.my.salesforce.com/0064X00001pWLYd?srPos=0&srKp=006 5/7
SHEPP_000114
Case 1:22-cr-20290-BB Document 205-4 Entered on FLSD Docket 02/02/2024 Page 7 of 8
1/19/22, 11:15 AM Opportunity: CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross River Bank) ~ Salesforce - Performance Edition
Contracted Payment Send as Wire
Additional Owners
PSF Notes
Special Instructions
Final File Review
Tax Filing Verified
Funding > Call
To Funding Call Queue
Funding Phone
Funding Confirmation, Repayment & Default Status
Funded On Reason for Decline
Funding Amount Decline Notes
Deal Lost Reason
System Information
Opportunity Id 0064X00001pWLYdQAO Probability (%) 80%
Submitter Close Date 3/13/2021
Created By Integration User, 3/12/2021 10:13 PM Close Date Time
Last Modified By Alex Remoundos, 9/2/2021 5:07 PM Deal Category New Deal
Send Decline Email
Submission to 0.00
StartUnderwriting (Hours)
Created Date (Custom) 3/12/2021 10:13 PM StartUnderwriting to Credit 0.00
Pull (Hours)
Credit Pull Date/Time Credit Pull to Produce Offers
(Hours)
Produce Offers Date/Time 3/13/2021 2:00 AM Produce Offers to Offer Sent 73.45
(Hours)
Approved for ISO (Date/Time) 3/25/2021 10:26 AM Current ISO Owner ID
Is WL DBA
Deal Score Decision Is WL Platform
Auto-Pricing Decision
AutoCreateContract
DL Used in AutoScrub
OC Eligibility
OC Eligibility Formula
Declined on
Update Contact Roles
Edit Current Status Get Files
Contact Roles New Contact Roles H
Action Contact Name Role Title Primary Phone Email Account Name
Edit | Del Eric Sheppard Business Owner eshmmanagementndev@gmail.com HM UP DEVELOPMENT ALAFAYA TRAILS LL
Statements Statements H
Action Statement Name Period Type Deposit Volume No. Deposits Avg Daily Balance Days Negative Start Date End Date Statement Month Order Stateme
SBA
Opportunity Partial
Details
DocuSign Status New DocuSign Status DocuSign Status H
No records to display
Contract Suggestions Contract Suggestions H
Action Contract Suggestions Name Status Created By Envelope Link
A49BF90E-BC6B-4893-B870-0F19127F54A6,
Dina Feldman,
Edit CS-143291 Completed https://na2.docusign.net/Member/MemberLogin.aspx?e=a49bf90e-bc6b-4893-b870-
3/25/2021 10:26 AM
0f19127f54a6
Notes & Attachments New Note Attach File Notes & Attachments H
https://pearlcapital--sbadata.my.salesforce.com/0064X00001pWLYd?srPos=0&srKp=006 6/7
SHEPP_000115
Case 1:22-cr-20290-BB Document 205-4 Entered on FLSD Docket 02/02/2024 Page 8 of 8
1/19/22, 11:15 AM Opportunity: CONSTRUCTION SERVICE X - Submitted 2021-03-12 (Cross River Bank) ~ Salesforce - Performance Edition
No records to display
Open Activities New Task Open Activities H
No records to display
Activity History Log a Call Mail Merge View All Activity History H
Action Subject Type Status Assigned To CreatedDateTime Resolution
3/25/2021 1:36 arixId='04c1fac1-ebfe-4a27-92da-acf60172e087'
Edit | Del Submit to Arix Completed SBA User
PM arixStatus='Submitted for funding'
Email: Merchant Notification - SBA 3/25/2021 10:26
Edit | Del Completed Ira Zlotowitz
Approval Email Sent AM
3/22/2021 4:42 cosId='e760ae0e-55c9-4918-b594-acf4002525e2'
Edit | Del Submit to ETran Completed SBA User
PM cosStatus='Submitted' etranStatus='Pending Validation'
Enxhi 3/22/2021 4:42
Edit | Del SBA Service Type: Clear & Push task Completed
Agushi PM
Enxhi 3/13/2021 1:44
Edit | Del Tax processing failed Completed
Agushi AM
Show more » | Go to list »
Opportunity Field History Opportunity Field History H
Date User Action
3/29/2021 7:05 AM TierBroker User Changed Arix Status from Funded to ReadyToSell.
3/26/2021 11:40 PM TierBroker User Changed Arix Status from InFunding to Funded.
3/25/2021 11:45 PM TierBroker User Changed Arix Status from Submitted for funding to InFunding.
3/25/2021 6:30 PM TierBroker User Changed Arix Status to Submitted for funding.
Changed Sent to Arix from false to true.
Show more » | Go to list »
Opportunity History 2 Opportunity History 2 H
No records to display
Stage History Stage History H
Stage Amount Probability (%) Expected Revenue Close Date Last Modified
Contract Received $0.00 80% $0.00 3/13/2021 Pearl Capital, 3/25/2021 1:35 PM
Contract Sent $0.00 75% $0.00 3/13/2021 Pearl Capital, 3/25/2021 12:33 PM
Offer(s) Sent to ISO $0.00 50% $0.00 3/13/2021 Dina Feldman, 3/25/2021 10:26 AM
Produce Offers $0.00 40% $0.00 3/13/2021 Integration User, 3/13/2021 2:00 AM
Credit Pull $0.00 25% $0.00 3/13/2021 Integration User, 3/13/2021 2:00 AM
Show more »
Merchant Applications Merchant Applications H
Action Merchant Application Name
HM MANAGEMENT AND DEVELOPMENT - 2021-03-12 [Opportunity]
HM MANAGEMENT AND DEVELOPMENT - 2021-03-12 [Opportunity]
CONSTRUCTION SERVICE X - 2021-03-12 [Opportunity]
Opportunity Team Opportunity Team H
No records to display
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https://pearlcapital--sbadata.my.salesforce.com/0064X00001pWLYd?srPos=0&srKp=006 7/7
SHEPP_000116
File and source
- File
- gov.uscourts.flsd.615773.205.4.pdf
- Size
- 479,953 bytes
- SHA-256
- 3888134374748641867b9629b371098400733c09ccf76d64381afccf4d0784f6
- Original
- PACER (login required)
Full text is unavailable because the extracted source contains local process references that are not suitable for publication.