United States v. Holmes, M.D. Ga. No. 5:25-cr-54, Doc. 1: Indictment (Nov. 18, 2025)
Summary
Indictment, Document 1 in Case 5:25-cr-00054-CAR-CHW, filed 11/18/25 in the Middle District of Georgia, Macon Division, against Lakeitha Davis Holmes. Counts One and Two are captioned wire fraud, and Counts Three and Four are captioned false statement. The indictment says that on or about May 18, 2021, Holmes “held herself to be” an independent contractor and owner of a purported hair salon business, d/b/a Davis Hair, and alleges that she submitted a Paycheck Protection Program loan application stating gross income of $98,000 when she had no such business or income. It cites 18 U.S.C. § 1343 and § 1001(a)(3), and includes forfeiture allegations.
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“United States v. Holmes, M.D. Ga. No. 5:25-cr-54, Doc. 1: Indictment (Nov. 18, 2025).”
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Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 1 of 10
IN THE UNITED STATES DISTRICT COURT
FOR THE MIDDLE DISTRICT OF GEORGIA
MACON DIVISION
UNITED STATES OF AMERICA INDICTMENT
vs. 00054-CAR-CHW
CRIMINAL NO. 5:25-CR- _ __
LAKEITHA DAVIS HOLMES VIOLATIONS:
18 u.s.c. § 1343
18 U.S.C. § 1001(a)(3)
18 U.S.C. § 981(a)(l)(C)
28 U.S.C. § 2461(c)
THE GRAND JURY CHARGES:
COUNTS ONE AND TWO
(WIRE FRAUD)
At all times material to this Indictment:
I. Defendant, LAKEITHA DA VIS HOLMES, was a resident of Fort Valley in the Middle
District of Georgia.
2. On or about May 18, 2021, HOLMES held herself to be an independent contractor, and
I 00% owner of a purported hair salon business, d/b/a Davis Hair.
The Small Business Administration
3. The United States Small Business Administration (SBA) is an executive branch agency
of the United States government that provides support to entrepreneurs and small businesses. The
mission of the SBA is to maintain and strengthen the nation's economy by enabling the
establishment and viability of small businesses and by assisting in the economic recovery of
communities after disasters. As part of this mission, the SBA provides loans through banks, credit
unions and other lenders. These loans have government-backed guarantees.
Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 2 of 10
The Paycheck Protection Program
4. The Coronavirus Aid, Relief, and Economic Security ("CARES") Act, which was a
federal law enacted in March 2020, established several SBA programs designed to provide
emergency financial assistance to the millions of Americans who suffered economic effects caused
by the COVID-19 pandemic. One source of relief provided by the CARES Act was the
authorization of United States taxpayer funds in forgivable loans to small businesses for job
retention and certain other expenses, through a program referred to as the Paycheck Protection
Program (PPP). PPP loan proceeds were required to be used by the business to pay certain
permissible expenses such as payroll costs, interest on mortgages, rent, and utilities.
5. To obtain a PPP loan, a qualifying business was required to submit a PPP loan
application ("SBA Form 2843-C"), which was signed by an authorized representative of the
applicant business. This application was entitled as follows:
Paycheck Protection Program
Borrower Application Form for Schedule C Filers Using G1·oss Income
Revised Ma1·ch 18, 2021
AN APPLICANT l\lA \' USE THIS FORM ONL \' IF THE APPLICANT FILES AN IRS FORM 1040, SCHEDULE C, AND
USES GROSS INCOME TO CALCULATE PPP LOAN AMOUNT
6. The PPP loan application required the authorized representative of the applicant
business to acknowledge the program rules and make certain affirmative certifications in order to
be eligible to obtain the PPP loan. These affirmative certifications include the following
statements: "I certify that:"
• "I have read the statements included in this form ... and I understand them."
• "The Applicant is eligible to receive a loan under the rules in effect at the time this
application is submitted that have been issued by the Small Business
Administration (SBA) and the Department of the Treasury (Treasury)
implementing the Paycheck Protection Program under Division A, Title I of the
Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the Economic
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Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 3 of 10
Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act), and Title V of the
American Rescue Plan Act of2021 (the Paycheck Protection Program Rules)."
• "All loan proceeds will be used only for business-related purposes (including
payroll and other proprietor expenses, which is business expenses plus owner
compensation, as defined in the interim final rule posted on March 3, 2021) as
specified in the loan application and consistent with the Paycheck Protection
Program Rules .... "
7. The PPP loan application also required the authorized representative to place their
initials on a line next to certain statements, including the following:
• "The funds will be used to retain workers and maintain payroll; or make payments
for mortgage interest, rent, utilities, covered operations expenditures, covered
property damage costs, covered supplier costs, and covered worker protection
expenditures as specified under the Paycheck Protection Program Rules; I
understand that if the funds are knowingly used for unauthorized purposes, the
federal government may hold me legally liable, such as for charges of fraud."
"I further certify that the information provided in this application and the
information provided in all supporting documents and forms is true and accurate in
all material respects. I understand that knowingly making a false statement to obtain
a guaranteed loan from SBA is punishable under the law .... "
8. In the PPP loan application, the applicant was required to state, among other things, the
business's: (a) average monthly payroll expenses and (b) number of employees. These figures were
used to calculate the amount of money the small business was eligible to receive under the PPP.
In addition, the applicant was required to provide documentation showing its payroll expenses,
including federal tax filings and bank account records.
9. A small business's PPP loan application would be received and processed by a
participating lender approved by the SBA. If a PPP loan application was approved, the
participating lender would fund the PPP loan using its own monies. For each funded application,
lenders received a processing fee from the SBA in a percentage of the loan or an amount not less
than $2,500. The loan was I 00 percent guaranteed by the SBA.
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Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 4 of 10
10. Information from the application, including about the borrower, the total amount of the
loan, and the listed number of employees, was transmitted by the lender to the SBA as the loan
was processed.
11. PPP loan proceeds were required to be used by the business on permissible expenses-
payroll costs, interest on mortgages, rent, and utilities. Under the terms of the CARES Act, the
interest and principal on a PPP loan would be forgiven if the business spent the loan proceeds on
these expense items within a designated period and used at least 60 percent of the PPP loan
proceeds on payroll expenses.
12. To obtain forgiveness of a PPP loan, the applicant business was required to submit a
PPP loan forgiveness application ("SBA Form 3508S"), which was signed by an authorized
representative of the business. The PPP loan forgiveness application required the applicant
business (through its authorized representative) to acknowledge the program rules and make
certain affirmative certifications in order to be eligible to obtain the PPP loan forgiveness.
13. The PPP loan forgiveness application also required the authorized representative of the
business to place their initials on a line to next to certain statements, including the following:
• "The Borrower has complied with all requirements in the Paycheck Protection
Program Rules (Sections 7(a)(36),(7)(a)(37), and 7A of the Small Business Act, the
PPP interim final rules, and guidance issued by SBA through the date of this
application), including the rules related to:
o eligible uses of PPP loan proceeds;
o the amount of PPP loan proceeds that must be used for payroll costs
(including proprietor expenses for Borrowers that applied for loans using
SBA Forms 2483-C or 2483-SD-C);
o the calculation and documentation of the Borrower's revenue reduction (if
applicable); and
o the calculation of the Borrower's Requested Loan Forgiveness Amount.
Information regarding these requirements may be found in the Form 3508S Instructions
and the Paycheck Protection Program Rules."
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Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 5 of 10
"The information provided in this application is true and correct in all material
respects. I understand that knowingly making a false statement to obtain
forgiveness of an SBA-guaranteed loan is punishable under the law .... "
I 4. Prestamos CDFI, LLC was an approved SBA participating lender based in Arizona to
service PPP loans. Prestamos partnered with Blue Acorn PPP, LLC to service the PPP loans. Blue
Acorn was also based in Arizona.
15. Robins Financial Credit Union is a financial institution based in Georgia. HOLMES
held a checking account with an account number ending in -7829 at Robins FCU.
The Scheme to Defraud
I 6. Beginning on a date unknown, but no later than on or about May I 8, 202 I, and
continuing until a date unknown, but at least on or about September 26, 202 I, HOLMES, aided
and abetted by others both known and unknown to the Grand Jury, devised and intended to devise
a scheme to defraud participants in the PPP, including the SBA and Prestamos, and to obtain
money by means of materially false and fraudulent pretenses, representations, and promises.
Manner and Means
It was a part of the scheme that:
17. On or about May I 8, 2021, HOLMES completed and submitted or had completed and
submitted a PPP loan application (SBA Form 2483-C) to Prestamos for her purported hair salon
business, d/b/a Davis Hair.
18. The PPP loan application listed HOLMES as an independent contractor and I 00%
owner of Davis Hair established in 2019; the business address in Fort Valley, GA, HOLMES's
then residential address; a Business TIN (Taxpayer Identification Number) ending in -1284,
HOLMES's social security number.
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Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 6 of 10
19. HOLMES initialed all of the certifications included in SBA Form 2483-C and signed
and dated SBA Form 2483-C for Davis Hair on May 18, 2021.
20. In order to qualify for the loan, HOLMES falsely affirmed or caused to be falsely
affirmed, among other information, that the total amount of gross income from 2019 or 2020 IRS
Form, Schedule C, line 7, for Davis Hair was approximately $98,000. In fact, as HOLMES knew,
Davis Hair had not been registered as a business in the State of Georgia in 2019 or 2020, and
HOLMES had not filed any IRS Form I 040, Schedule C for Davis Hair in 2019 or 2020.
21. In reliance on HOLMES's materially false and fraudulent statements and her
concealment of material facts, Prestamos approved and funded the PPP Loan Application, and
thereafter transferred approximately $20,415 in proceeds by interstate wire into a bank account
HOLMES controlled.
Executions of the Scheme
22. On or about each of the dates set forth below, in the Middle District of Georgia and
elsewhere, the Defendant,
LAKEITHA DA VIS HOLMES
for the purpose of executing the scheme described caused to be transmitted by means of wire
communication in interstate commerce the signals and sounds described below for each count,
each transmission constituting a separate count:
COUNT DATE NATURE OF COMMUNICATION
I May 18, 2021 PPP Loan application from LAKEITHA DA VIS HOLMES
residing in Georgia and submitted to Prestamos based in
Arizona
2 June 8, 2021 Automated Clearing House (ACH) wire of $20,415 from
Prestamos to LAKEITHA DAVIS HOLMES's checking
account with an account number ending in -7829 at Robins
FCU
6
Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 7 of 10
All in violation of Title 18, United States Code, Section 1343.
COUNT THREE
(False Statement)
On or about May 18, 2021, in the Macon Division of the Middle District of Georgia and
elsewhere within the jurisdiction of this Court, the Defendant,
LAKEITHA DAVIS HOLMES,
did willfully and knowingly make and use a false writing and document, knowing the same to
contain a materially false, fictitious, and fraudulent statement in a matter within the jurisdiction of
the executive branch of the Govemment of the United States, that being the Small Business
Administration ("SBA"), in that HOLMES submitted a Paycheck Protection Program (PPP) loan
application, wherein the HOLMES falsely stated and certified that she had complied with all the
requirements of the PPP, including the eligible use of PPP loan proceeds, and that she had a total
amount of gross income (from 2019 or 2020 IRS Form, Schedule C, line 7) of $98,000 for her
purported hair salon business, d/b/a Davis Hair; when in truth and in fact as HOLMES then knew
and believed, she had no such business or income derived therefrom.
All in violation of Title 18, United States Code, Sections I00l(a)(3).
COUNT FOUR
(False Statement)
On or about September 27, 2021, in the Macon Division of the Middle District of Georgia
and elsewhere within the jurisdiction of this Court, the Defendant,
LAKEITHA DA VIS HOLMES,
did willfully and knowingly make and use a false writing and document, knowing the same to
contain a materially false, fictitious, and fraudulent statement in a matter within the jurisdiction of
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Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 8 of 10
the executive branch of the Government of the United States, that being the Small Business
Administration ("SBA"), in that HOLMES submitted Paycheck Protection Program (PPP) Loan
Forgiveness Application, wherein HOLMES falsely stated and certified that she had complied with
all the requirements of the PPP, including the eligible use of PPP loan proceeds, that she was an
independent contractor for her purported hair salon business, d/b/a Davis Hair, that there was one
employee at the time of the Forgiveness Application, and that she spent $ I 6,040 of the PPP loan
on payroll; when in truth and in fact as HOLMES then knew and believed, there were no such
employee or payroll but rather HOLMES had misused the proceeds for her own personal
enrichment.
All in violation of Title 18, United States Code, Sections I00l(a)(3).
FORFEITURE NOTICE
(18 U.S.C. § 98l(a)(l)(C), and 28 U.S.C. § 246l(c)-Criminal Forfeiture)
I. The allegations contained in Counts One and Two of this Indictment are hereby re-
alleged and incorporated by reference into this Notice for the purpose of alleging forfeiture to the
United States of America, pursuant to the provisions of Title 18, United States Code, Section
98l(a)(l)(C), and Title 28, United States Code, Section 2461(c).
2. Upon conviction of the offense(s) in violation of Title 18, United States Code,
Section 1343, set forth in Counts One and Two of this Indictment, the defendant,
LAKEITHA DAVIS HOLMES,
shall forfeit to the United States of America pursuant to Title 18, United States Code, Section
981 (a)(] )(C), in conjunction with Title 28, United States Code, Section 2461 (c), any property, real
or personal, which constitutes or is derived from proceeds traceable to the offense(s), or a
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Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 9 of 10
conspiracy to commit such offense, including, but not limited to, a money judgment in an amount
to be determined.
3. If any of the property subject to forfeiture, as a result of any act or omission of the
defendant:
(a) cannot be located upon exercise of due diligence;
(b) has been transferred, sold to or deposited with, a third person;
(c) has been placed beyond the jurisdiction of the court;
(d) has been substantially diminished in value; or
(e) has been commingled with other property which cannot be subdivided
without difficulty,
the United States of America shall be entitled to forfeiture of substitute property pursuant to Title
21, United States Code, Section 853(p ), as incorporated by Title 28, United States Code, Section
2461(c) through Title 18, United States Code, Section 981(a)(l)(C).
All pursuant to 18 U.S.C. § 981(a)(l)(C) and 28 U.S.C. § 2461(c).
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Case 5:25-cr-00054-CAR-CHW Document 1 Filed 11/18/25 Page 10 of 10
A TRUE BILL.
s/ Foreperson o[lhe Grand Jurv
FOREPERSON OF THE GRAND JURY
WILLIAM R. KEYES
UNITED STATES ATTORNEY
Presented By:
ERSON
UNITED STA TES ATTORNEY
Filed in open court this \<l day of ~ - { , 2025.
Deputy Clerk
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