Criminal Complaint — Affidavit of Matthew Sabo, Homeland Security Investigations (January 25, 2023)
Summary
An affidavit in support of an application for a criminal complaint and arrest warrant for Ryan T. Carruthers, filed January 25, 2023 as ECF No. 1 in Case 2:23-cr-20406-JEL-DRG. Matthew Sabo, a Special Agent with Homeland Security Investigations, states there is probable cause that Carruthers committed wire fraud and bank fraud under 18 U.S.C. §1343 and §1344 in connection with Paycheck Protection Program and Economic Injury Disaster Loan applications. The affidavit states that Carruthers received thirteen (13) loans totaling approximately $851,653 for nine (9) purported businesses, and that seven applications went to Huntington Bank. It lists the loans by business and lender, including TV Fitness LLC, Pure Juice Bar & Café LLC and Physical Therapy & Rehabilitation LLC.
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“Criminal Complaint — Affidavit of Matthew Sabo, Homeland Security Investigations (January 25, 2023).”
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Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.1 Filed 01/25/23 Page 1 of 19
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Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.2 Filed 01/25/23 Page 2 of 19
AFFIDAVIT IN SUPPORT OF AN APPLICATION FOR
CRIMINAL COMPLAINT AND ARREST WARRANT
I, Matthew Sabo, Special Agent with Homeland Security Investigations (HSI), being
duly sworn, state that:
INTRODUCTION AND AGENT BACKGROUND
1. I am an investigative or law enforcement officer of the United States within
the meaning of Section 510(7) of the United States code. I am empowered to conduct
investigations of and to make arrests for offenses enumerated in Title 18 of the
United States Code.
2. I have been employed by HSI as a special agent since November 2006. Since
that time, I have investigated federal crimes to include mail fraud, wire fraud, bank
fraud, and various other criminal matters. At all times during the investigation
described in this affidavit, I have been acting in an official capacity as a special agent
of HSI.
PURPOSE OF AFFIDAVIT
3. This affidavit is submitted in support of an application for a criminal
complaint and arrest warrant for Ryan T. CARRUTHERS for violations of 18 U.S.C.
§1343 (wire fraud) and §1344 (bank fraud).
4. The facts set forth in this affidavit are based upon my personal observations,
my training and experience, and information made available to me by other law
enforcement professionals. These facts are provided for the sole purpose of
establishing probable cause for the issuance of a criminal complaint and arrest
warrant; therefore, this affidavit does not necessarily contain all information
uncovered during this investigation.
5. Based on my training and experience and the facts as set forth in this
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.3 Filed 01/25/23 Page 3 of 19
affidavit, there is probable cause to believe that criminal violations of 18 U.S.C.
§1343 (wire fraud) and §1344 (bank fraud) have been committed by
CARRUTHERS in connection with applications for loans under the Paycheck
Protection Program (PPP) and the Economic Injury Disaster Loan (“EIDL”)
program.
BACKGROUND OF THE PAYCHECK PROTECTION PROGRAM
6. The Coronavirus Aid, Relief, and Economic Security (“CARES”) Act is a
federal law enacted in or around March 2020 and designed to provide emergency
financial assistance to the millions of Americans who are suffering the economic
effects caused by the COVID-19 pandemic. One source of relief provided by the
CARES Act was the authorization of up to $349 billion in forgivable loans to small
businesses for job retention and certain other expenses, through a program referred
to as the Paycheck Protection Program (“PPP”). In or around April 2020, Congress
authorized over $300 billion in additional PPP funding.
7. In order to obtain a PPP loan, a qualifying business must submit a PPP loan
application, which is signed by an authorized representative of the business. The PPP
loan application requires the business (through its authorized representative) to
acknowledge the program rules and make certain affirmative certifications to be
eligible to obtain the PPP loan. In the PPP loan application, the small business
(through its authorized representative) must state, among other things, its: (a)
average monthly payroll expenses; and (b) number of employees. These figures are
used to calculate the amount of money the small business is eligible to receive under
the PPP. In addition, businesses applying for a PPP loan must provide documentation
showing their payroll expenses.
8. A PPP loan application must be processed by a participating lender. If a PPP
loan application is approved, the participating lender funds the PPP loan using its
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.4 Filed 01/25/23 Page 4 of 19
own monies, which are 100% guaranteed by Small Business Administration
(“SBA”). Data form the application, including information about the borrower, the
total amount of the loan, and the listed number of employees, is transmitted by the
lender to the SBA in the course of processing the loan.
9. PPP loan proceeds must be used by the business on certain permissible
expenses – payroll costs, interest on mortgages, rent, and utilities. The PPP allows
the interest and principal on the PPP loan to be entirely forgiven if the business
spends the loan proceeds on these expense items within a designated period after
receiving the proceeds and uses a certain amount of the PPP loan proceeds on payroll
expenses.
BACKGROUND OF ECONOMIC INJURY DISASTER LOANS
10. The Economic Injury Disaster Loan (“EIDL”) program is an SBA program
that provides low-interest financing to small businesses, renters, and homeowners in
regions affection by declared disasters.
11. The CARES Act authorized the SBA to provide EIDLs of up to $2 million to
eligible small businesses experiencing substantial financial disruption due to the
COVID-19 pandemic. In addition, the CARES Act authorized the SBA to issue
advances of up to $10,000 to small businesses within three days of applying for an
EIDL. The amount of the advance is determined by the number of employees the
applicant certifies having. The advances do not have to be repaid.
12. In order to obtain an EIDL and advance, a qualifying business must submit an
application to the SBA and provide information about its operations, such as the
number of employees, gross revenues for the 12-month period preceding the
disaster, and cost of goods sold in the 12-month period preceding the disaster. In the
case of EIDLs for COVID-19 relief, the 12-month period was that preceding January
31, 2020. The applicant must also certify that all of the information in the application
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.5 Filed 01/25/23 Page 5 of 19
is true and correct to the best of the applicant’s knowledge.
13. EIDL applications are submitted directly to the SBA and processed by the
agency with support from a government contractor, Rapid Finance. The amount of
the loan, if the application is approved, is determined based, in part, on the
information provided in the application about employment, revenue, and cost of
goods, as described above. Any funds issued under an EIDL, or advance are issued
directly by the SBA. EIDL funds can be used for payroll expenses, sick leave,
production costs, and business obligations, such as debts, rent, and mortgage
payments. If the applicant also obtains a loan under the PPP, the EIDL funds cannot
be used for the same purpose as the PPP funds.
PROBABLE CAUSE
14. Ryan CARRUTHERS has been identified through this investigation to be
involved in defrauding the U.S. Government by exploiting the PPP and EIDL
programs under the CARES Act by providing false information during the loan
application process. CARRUTHERS received, by wire transfer, thirteen (13) loans
totaling approximately $851,653 for nine (9) of his purported businesses. He applied
for two additional CARES Act loans whose applications were denied. Seven of the
loan applications were submitted to Huntington Bank (where CARRUTHERS
himself also maintained bank accounts), which is a federally insured depository
financial institution pursuant to 18 U.S.C. § 20. As part of the scheme,
CARRUTHERS also applied for loans and received loan proceeds through the use
of interstate wire communications. Examples of such interstate wire transmissions
include electronically filed applications from CARRUTHERS to Customers Bank
(Pennsylvania) and Texas National Bank (Texas).
15. In or around August 2020, Huntington Bank informed HSI Detroit of
suspicious activity relating to PPP loans received by CARRUTHERS. HSI learned
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.6 Filed 01/25/23 Page 6 of 19
that CARRUTHERS received two (2) PPP loans from Huntington Bank on April 20
and April 21, 2020, totaling $53,490; and, on May 7 and May 28, 2020,
CARRUTHERS received two (2) PPP loans from WebBank/PayPal totaling
$89,725.
LOAN LOAN FUNDING
LOAN DATE TYPE BUSINESS NAME AMOUNT INSTITUTION Account #
4/20/2020 PPP TV Fitness LLC $27,000 Huntington Bank 9658
Graceful Financial
4/21/2020 PPP Solutions $26,490 Huntington Bank 5973
Graceful
Communication
5/7/2020 PPP Solutions $27,225 WebBank/PayPal 8308
Pure Juice Bar & Café
5/28/2020 PPP LLC $62,500 WebBank/PayPal 9658
16. The four (4) PPP loans were deposited into three (3) different Huntington
Bank account numbers ending in 9658, 5973 and 8308. CARRUTHERS is the
primary registered accountholder on all three with his wife, M.C., listed as an
additional accountholder on the account ending in 8303.
17. The Paycheck Protection Program required that a business must be
incorporated and operational prior to February 15, 2020, in order to be eligible to
receive a loan. A query of the Michigan Department of Licensing and Regulatory
Affairs (“LARA”) database revealed the following 10 businesses associated with
CARRUTHERS:
BUSINESS DATE OF
BUSINESS NAME OWNER INCORPORATION
Graceful Financial Solutions, LLC CARRUTHERS 3/9/2007
TV Fitness LLC CARRUTHERS 12/27/2011
Graceful Communication Solutions, LLC CARRUTHERS 1/10/2014
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.7 Filed 01/25/23 Page 7 of 19
Pure Juice Bar & Café LLC CARRUTHERS 11/26/2014
Bridging the Gaps CARRUTHERS 3/21/2017
Gym N Juice LLC CARRUTHERS 9/29/2020
Cobra Kai Karate LLC CARRUTHERS 1/20/2021
Medical Billing LLC CARRUTHERS 3/18/2021
Physical Therapy & Rehabilitation CARRUTHERS 3/18/2021
24/7 Express Logistics LLC CARRUTHERS 10/25/2021
18. According to Michigan LARA, the four (4) businesses for which loans were
received in April and May 2020 had each been incorporated prior to the February
15, 2020; however, those business were not in “Good Standing” according to LARA:
x TV Fitness LLC was incorporated on December 27, 2011, and from
2013 to 2017, the annual statements were submitted on time. The
annual statements for the years 2018 through 2021, along with a
Certificate of Restoration of Good Standing, for TV Fitness LLC was
signed on April 12, 2021.
x Graceful Communication Solutions LLC was incorporated on January
10, 2014; however, annual statements for the years 2015-2021, along
with a Certificate of Restoration of Good Standing was signed on June
25, 2020.
x Graceful Financial Solutions was incorporated on March 9, 2007, and
annual statements were filed on time through 2017. The annual
statements for the years 2018 through 2021, along with a Certificate of
Restoration of Good Standing, was signed on April 27, 2021.
x Pure Juice Bar & Café LLC was incorporated on November 26, 2014;
however, annual statements for the years 2016 through 2021, along
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.8 Filed 01/25/23 Page 8 of 19
with a Certificate of Restoration of Good Standing, was signed on
March 25, 2021.
19. Given the questions surrounding the incorporation and operations of the
businesses that had received these first four loans, HSI Detroit requested all loan
applications associated with CARRUTHERS from the Small Business
Administration (SBA). The SBA identified that 12 PPP loans and 1 EIDL loan were
received by CARRUTHERS. Twelve of these loans were approved and disbursed
for eight businesses that CARRUTHERS purported to own and operate. Another
loan was issued in Carruthers’ own name. Two (2) additional loans were denied. The
PPP and EIDL loans received and denied are more specifically described in
Attachment C and within the chart below:
LOAN LOAN LOAN FUNDING
BUSINESS NAME
DATE TYPE AMOUNT INSTITUTION
4/20/2020 PPP TV Fitness LLC $27,000 Huntington Bank
Graceful Financial
4/21/2020 PPP $26,490 Huntington Bank
Solutions
Graceful
5/7/2020 PPP Communication $27,225 WebBank/PayPal
Solutions
Pure Juice Bar &
5/28/2020 PPP $62,500 WebBank/PayPal
Café LLC
7/13/2020 PPP Bridging The Gaps $78,984 Kabbage
Graceful Financial
7/22/2020 EIDL $81,000 SBA
Solutions
2/18/2021 PPP Gym N Juice $80, 335 Huntington Bank
Cobra Kai Karate
3/1/2021 PPP $57,490 Huntington Bank
LLC
Graceful
3/10/2021 PPP Communication $27,222 Huntington Bank
Solutions
3/15/2021 PPP TV Fitness LLC $27,224 Huntington Bank
3/16/2021 PPP Bridging The Gaps $73,990 Huntington Bank
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.9 Filed 01/25/23 Page 9 of 19
Harvest Small
4/23/2021 PPP Ryan Carruthers $20,833 Business Finance
LLC
Physical Therapy &
4/30/2021 PPP $261,360 JP Morgan Chase
Rehabilitation LLC
LOAN LOAN LOAN FUNDING
BUSINESS NAME
DATE TYPE AMOUNT INSTITUTION
Pure Juice Bar &
DENIED PPP 83,060 Customers Bank
Café LLC
Pure Juice Bar & Texas National
DENIED PPP 29,166
Café LLC Bank
20. According to Michigan LARA, Gym N Juice LLC, Cobra Kai Karate LLC,
and Physical Therapy & Rehabilitation LLC were incorporated after February 15,
2020:
x On February 23, 2021, CARRUTHERS submitted a PPP application to
Huntington Bank on behalf of Gym N Juice LLC. The application indicates
Gym N Juice LLC was established in the year 2010; however, LARA
indicates it was established on September 29, 2020.
x On March 1, 2021, CARRUTHERS submitted a PPP application to
Huntington Bank on behalf of Cobra Kai Karate LLC. The application
indicates Cobra Kai Karate LLC was established in the year 2011; however,
LARA indicates it was established on January 20, 2021.
x On April 9, 2021, CARRUTHERS submitted a PPP application to JP Morgan
Chase on behalf of Physical Therapy & Rehabilitation LLC. The application
indicates Physical Therapy & Rehabilitation LLC was established on March
18, 2011; however, LARA indicates it was established on March 21, 2021.
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.10 Filed 01/25/23 Page 10 of 19
22. A total of seven (7) of the loan applications were submitted online using
internet protocol (IP) address 76.122.177.160. An IP address is a unique string of
characters that identifies each computer using the Internet Protocol to communicate
over a network. Because seven (7) applications were submitted from IP
76.122.177.160, they were likely completed using the same computer and/or internet
connection. The IP address is assigned to Comcast and a summons was issued for
records regarding the IP Address. Comcast confirmed that the IP address is
registered to M.C., CARRUTHERS’ wife, and the service address is their home
residence, 8316 Cascade Street Commerce, MI 48382.
23. Affiant observed four (4) different phone numbers listed in the loan
applications, which ended in 8348, 8384, 7775 and 9761. The telephone number
ending in 8348 was listed in seven (7) loan applications. A subpoena to Ringtone
revealed the subscriber is “Graceful Credit” at 23241 Woodward Ave Ferndale,
Michigan, the same location as TV FITNESS. Ringtone disclosed an additional
telephone number for the subscriber, including the number that ended in 8384, and
email address ryancarruthers1981@gmail.com. The phone number ending in 8384
was listed in four (4) loan applications. A subpoena to T-Mobile revealed the
subscriber is M.C., CARRUTHERS’ wife, at 8316 Cascade Street Commerce,
Michigan 48382. The telephone number ending in 7775 was listed in three (3) loan
applications. A subpoena to Ringtone revealed the subscriber is Graceful Credit at
23241 Woodward Ave Ferndale, Michigan, the same location of TV FITNESS. The
telephone number ending in 9761 was listed in one (1) loan application. A subpoena
to Google revealed the subscriber to that phone number is Ryan CARRUTHERS at
23241 Woodward Ave Ferndale, Michigan, the same location of TV FITNESS.
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.11 Filed 01/25/23 Page 11 of 19
ANALYSIS OF PAYROLL AND TAXES
24. During the course of the investigation there was no evidence of
CARRUTHERS having any employees at his various businesses or LLC’s.
However, on each of CARRUTHERS’ loan applications, he claimed that his
businesses had between three and fifteen employees. Your affiant has prepared
attachment A to this complaint, which summarizes relevant information about each
of the fifteen loans pertinent to this complaint. That information includes the number
of employees CARRUTHERS claimed that each of these entities had on the relevant
loan applications.
25. Michigan businesses are required by law to provide a quarterly report to the
State of Michigan Unemployment Insurance Agency (UIA) outlining all employees
who earned wages during the quarter. The quarterly report includes the employee’s
name, social security number and wages earned during that quarter. The UIA taxes
businesses to fund unemployment compensation programs for eligible employees in
Michigan. The UIA uses the quarterly reports to determine unemployment insurance
taxes owed by businesses for each quarter.
26. HSI Detroit obtained Michigan State tax return information from the
Michigan Department of Treasury. The Michigan Department of Treasury provided
tax returns for both CARRUTHERS’ personal returns and for all his businesses and
LLC’s. The documents provided included the fourth quarter of 2019 through the
third quarter of 2021. Affiant found no evidence of payroll and no UIA quarterly
reports filed for any of CARRUTHERS’ registered businesses during that time
period.
27. For tax years 2019-2020, there were no taxes filed at the Michigan
Department of Treasury for seven (7) out of eight (8) of CARRUTHERS’ registered
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.12 Filed 01/25/23 Page 12 of 19
businesses. CARRUTHERS only filed taxes for one (1) business, TV Fitness LLC,
but the sales value for years 2019-2020 was $0.00 dollars.
28. Affiant attempted to physically locate the businesses attributed to
CARRUTHERS at the following addresses listed in the approved loan applications:
BUSINESS NAME BUSINESS ADDRESS ESTABLISHED
Ryan Carruthers (self-employed) 8316 Cascade Ave. 1/1/2011
Commerce Twp, MI 48382
755 W Big Beaver Rd, Ste 2020
Graceful Financial Solutions, LLC 3/9/2007
Troy, MI 48084
23241 Woodward Ave
TV Fitness LLC 12/27/2011
Ferndale, MI 48220
Graceful Communication Solutions, 900 Wilshire Dr, Ste 202
1/10/2014
LLC Troy, MI 48382
23440 Woodward Ave
Pure Juice Bar & Café LLC 11/26/2014
Ferndale, MI 48220
20700 Civic Center Dr, Ste 170
Bridging the Gaps 3/21/2017
Southfield, MI 48076
23241 Woodward Ave
Gym N Juice LLC 9/29/2020
Ferndale, MI 48220
23241 Woodward Ave
Cobra Kai Karate LLC 1/20/2021
Ferndale, MI 48220
23241 Woodward Ave
Physical Therapy & Rehabilitation 3/18/2021
Ferndale, MI 48220
Affiant discovered that only one (1) business, TV Fitness LLC, appeared to have a
brick-and-mortar location at the address listed on the loan application.
ANALYSIS OF BANK ACCOUNTS
29. Information obtained from Wells Fargo Bank revealed that on April 2, 2021,
Wells Fargo received funds in the amount of $255,670.74 to pay off the mortgage
on CARRUTHERS’ residence located at 8316 Cascade Street, Commerce
Township, Michigan. The bulk of the funds used to pay off the mortgage on
CARRUTHERS’ residence were from three of CARRUTHERS’ PPP loans.
Payment of a personal mortgage is not a permissible use of PPP funds.
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.13 Filed 01/25/23 Page 13 of 19
30. Specifically, on March 16, 2021, a deposit was made into CARRUTHERS
Huntington Bank account ending in 9430 for $73,990. This deposit was the proceeds
from the PPP loan# 12992786-09, of which Huntington Bank was the lender, for
CARRUTHERS’ business Bridging the Gaps. On April 1, 2021, a $70,000 transfer
was made from CARRUTHERS Huntington Bank account ending in 9430 to another
CARRUTHERS Huntington Bank account ending in 1316. On March 1, 2021, a
deposit was made into CARRUTHERS Huntington Bank account ending in 9391
for $57,490. This was proceeds from PPP loan #45553785-10 which Huntington
Bank was the lender for CARRUTHERS’ business Cobra Kai Karate LLC. On April
1, 2021, a transfer for $50,000 was made from CARRUTHERS’ Huntington Bank
Account ending in 9391 to Huntington Account 1316. On February 18, 2021, a
deposit was made into CARRUTHERS’ Huntington Bank account ending in 3663
for $80,335, which were the proceeds from PPP loan #10916585-05. On April 1,
2021, a transfer for $64,000 was made from CARRUTHERS Huntington Bank
account ending in 3663 to another CARRUTHERS Huntington Bank account ending
in 1316. On April 1, 2021, an outgoing Fedwire transfer was made from bank
account 1316 for $255,670.74, which was used to pay off CARRUTHERS’ home
mortgage.
31. During a review of CARRUTHERS’ Huntington Bank account number
ending in 5973, the account associated to Graceful Financial Solutions LLC, agents
discovered that on July 24, 2020, CARRUTHERS purchased a 2021 Sea Doo 66MC
personal watercraft for $9,933.
32. HSI Detroit received account information from Huntington Bank and Chase
bank relating to four (4) accounts belonging to CARRUTHERS. Agents reviewed
the documents provided and observed 62 withdrawals totaling $520,636.59, as
outlined below:
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.14 Filed 01/25/23 Page 14 of 19
x From May 29, 2020, through June 12, 2020, five (5) cash withdrawals of
$9,000 from Huntington Bank business account number ending in 9658 for
TV FITNESS, LLC totaled $45,000.
x From July 10, 2020, through September 14, 2020, nine (9) cash withdrawals
from Huntington Bank business account number ending in 5973 for Graceful
Financial Solutions totaled $81,000.
x From April 22, 2020, through December 21, 2020, thirty-one (31) cash
withdrawals, ranging from $2,500 to $20,000, from CARRUTHERS’
personal Huntington Bank account number ending in 1316 totaled
$245,136.59.
x From May 10, 2021, through November 24, 2021, seventeen (17) cash
withdrawals, ranging from $5000 to $9500, from Chase Bank business
account number ending in 3523 for Physical Therapy & Rehabilitation LLC
totaled $149,500.
CONCLUSION
33. Affiant respectfully submits that there is probable cause to believe that Ryan
T. CARRUTHERS devised and perpetrated a scheme or artifice to fraudulently
obtain PPP and EIDL loans. In furtherance of and to execute this scheme,
CARRUTHERS, while in the Eastern District of Michigan, sent one or more
fraudulent electronic loan applications to a federal insured financial institution.
CARRUTHERS also caused the transmission of writings, signs, signals, and pictures
in interstate commerce by means of wire communication in furtherance of this
scheme to defraud, as set forth above.
34. Based on the facts as set forth in this affidavit, there is probable cause to
believe that criminal violations of 18 U.S.C. §1343 (wire fraud) and §1344 (bank
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.15 Filed 01/25/23 Page 15 of 19
January 25, 2023
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.16 Filed 01/25/23 Page 16 of 19
Attachment A
1.
Loan 58588370-00 – PPP – TV Fitness LLC
Phone Number 248-658-8348
Number of Employees:3
Lender: Huntington Bank
Loan Amount: $27, 000
Loan Application Date: 04/06/2020
Loan Approved Date: 04/06/2020
Date of Disbursement: 04/18/2020
Loan Forgiveness: 10/06/2021
Company Date of Organization in Michigan: 12/27/2011
2.
Loan 62625770-09 – PPP – Graceful Financial Solutions
Phone Number 313-887-7775
Number of Employees: 3
Lender: Huntington Bank
Loan Amount: $26,490
Loan Application Date: 04/06/2020
Loan Approved Date: 04/06/2020
Date of Disbursement: 04/21/2020
Loan Forgiveness: N/A
3.
Loan 86696577-07 – PPP – Graceful Communication Solutions LLC
Phone Number 313-820-8384
Number of Employees: 3
Lender: WeBank/Pay Pal
Loan Amount: $27,225
Loan Application Date: 05/01/2020
Loan Approved Date: 05/01/2020
Date of Disbursement: 05/07/2020
Loan Forgiveness: 09/27/2021
Company Date of Organization in Michigan: 01/10/2014
4.
Loan 41883578-10 – PPP – Pure Juice Bar & Café LLC
Phone Number 313-820-8348
Number of Employees: 5
Lender: WeBank/Pay Pal
Loan Amount: $62,500
Loan Application Date: 05/27/2020
Loan Approved Date: 05/27/2020
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.17 Filed 01/25/23 Page 17 of 19
Date of Disbursement: 05/28/2020
Loan Forgiveness: 05/10/2021
Company Date of Organization in Michigan: 11/26/2014
5.
Loan 14802981-08 – PPP – Bridging The Gaps
Phone Number 248-838-9761
Number of Employees: 6
Lender: Kabbage
Loan Amount: $78, 984
Loan Application Date: 07/09/2020
Loan Approved Date: 07/09/2020
Date of Disbursement: 07/13/2020
Loan Forgiveness: N/A
Company Date of Organization in Michigan: 03/21/2007
6.
Loan 61222981-00 – EIDL – Graceful Financial Solutions
Phone Number 313-887-7775
Number of Employees: 6
Lender: Small Business Association
Loan Amount: $81,000
Loan Application Date: 07/21/2020
Loan Approved Date: 07/21/2020
Date of Disbursement: 07/21/2020
Loan Forgiveness: N/A
Company Date of Organization in Michigan: 03/09/2007
7.
Loan 10916585-08 – PPP – Gym N Juice
248-658-8348
Number of Employees: 6
Lender: Huntington Bank
Loan Amount: $80,335
Loan Application Date: 02/17/2021
Loan Approved Date: 02/18/2021
Date of Disbursement: 02/24/2021
Loan Forgiveness: 09/27/2021
Company Date of Organization in Michigan: 09/29/2020
8.
Loan 45553785-10 – PPP – Cobra Kai Karate LLC
Phone Number 248-658-8348
Number of Employees: 7
Lender: Huntington Bank
Loan Amount: $57, 490
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.18 Filed 01/25/23 Page 18 of 19
Loan Application Date: 02/25/2021
Loan Approved Date: 02/26/2021
Date of Disbursement: 03/01/2021
Loan Forgiveness: 09/27/2021
Company Date of Organization in Michigan: 01/20/2021
9.
Loan 74811985-04 – PPP Second Draw – Graceful Communication Solutions LLC
Phone Number 313-820-8384
Number of Employees: 3
Lender: Huntington Bank
Loan Amount: $27,222
Loan Application Date: 03/05/2021
Loan Approved Date: 03/06/2021
Date of Disbursement: 03/10/2021
Loan Forgiveness: 09/27/2021
10.
Loan 11160986-01 – PPP Second Draw – TV Fitness LLC
Phone Number 248-658-8348
Number of Employees: 3
Lender: Huntington Bank
Loan Amount: $27, 224
Loan Application Date: 03/09/2021
Loan Approved Date: 03/12/2021
Date of Disbursement: 03/15/2021
Loan Forgiveness: N/A
11.
Loan 12992786-09 – PPP Second Draw – Bridging The Gaps
Phone Number 313-887-7775
Number of Employees: 6
Lender: Huntington Bank
Loan Amount: $73,990
Loan Application Date: 03/11/2021
Loan Approved Date: 03/13/2021
Date of Disbursement: 03/16/2021
Loan Forgiveness: 10/05/2021
12.
Loan 93621186-07- Pure Juice Bar & Café LLC
Phone Number 248-658-8348
Number of Employees: 5
Lender: Customers Bank
Loan Amount $83,060
Loan Application Date: 3/24/2021
Case 2:23-cr-20406-JEL-DRG ECF No. 1, PageID.19 Filed 01/25/23 Page 19 of 19
Loan Approval Date: 3/31/2021
Disbursement Date: N/A loan cancelled
Date Business Established: 11/26/2014
Date Business Established: 11/01/2014
13.
Loan 19361588-08 – PPP – Ryan Carruthers
Phone Number 313-820-8384
Number of Employees: 1
Lender: Harvest Small Business Finance LLC
Loan Amount: $20,833
Loan Application Date: 04/10/2021
Loan Approved Date: 04/11/2021
Date of Disbursement: 04/23/2021
Loan Forgiveness: 10/05/2021
14.
Loan 37896989-02 – PPP – Physical Therapy & Rehabilitation LLC
Phone Number 248-658-8348
Number of Employees: 13
Lender: JP Morgan Chase
Loan Amount: $261,360
Loan Application Date: 04/27/2021
Loan Approved Date: 04/28/2021
Date of Disbursement: 04/30/2021
Loan Forgiveness: N/A
15.
Loan 50424090-00- Pure Juice Bar & Café LLC
Phone Number 248-658-8348
Number of Employees: 5
Lender: Texas National Bank
Loan Amount $29,166
Loan Application Date: 5/20/2021
Loan Approval Date: 5/21/2021
Disbursement Date: N/A loan cancelled
Date Business Established: 11/26/2014
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