Risk Assessment

By: Alexandra Roberte

When the Paycheck Protection Program (PPP) was introduced in 2020 as part of the federal COVID-19 relief effort, its mission was straightforward: to provide struggling businesses with funds to keep employees on payroll and weather unprecedented shutdowns. Billions of dollars were distributed quickly, often with limited verification. While the program undoubtedly saved many legitimate businesses, it also opened the door to widespread misuse.

NORTH CHURCH NURSING AND REHAB, LLC, an entity located at 1021 N Church St, Jacksonville, IL 62650-1301, is one of thousands of companies that received PPP loans. According to the Small Business Administration (SBA), this business was approved for a loan of $552,267.50 on May 2020. Later, on June 2021, the SBA forgave $557,882.22 — more or less the entire original approval amount.

On paper, the loan was intended to support 85 jobs, with a reported payroll expense of $552,267.50. The loan was processed by Old National Bank in EVANSVILLE, IN under the NAICS Code 623110.

These details provide the backbone of the case, but the story does not end here. Like many PPP loans, this case raises critical questions that citizens and investigators alike may want to consider.

• The Loan Basics

  Loan Approved: $552,267.50

  Loan Forgiven: $557,882.22

  Jobs Reported: 85

  Average Salary per Employee: $6,497.26/employee.

  Payroll Processed: $552,267.50

  Loan Term: 24 Months

  Lender: Old National Bank (EVANSVILLE,IN)

  Date Approved: May 2020

  Date Forgiven: June 2021

• Why the Numbers Raise Questions

  At first glance, the loan appears to fall within expected program guidelines. However, a closer examination highlights potential red flags:

  • Reported Payroll vs. Loan Size With payroll recorded at $552,267.50, the question arises: How was the remaining loan amount allocated? Did the additional funds meet PPP eligibility criteria, such as rent, utilities, or interest payments? Without transparency, it’s difficult to confirm.

  • Unanswered Borrower Details Several demographic fields, such as race, gender, and veteran status, remain blank. While not mandatory for loan approval, the absence of these details reduces transparency and makes oversight harder.

• The Bigger Picture: PPP Fraud Nationwide

  NORTH CHURCH NURSING AND REHAB, LLC is not alone in facing scrutiny. The PPP program, though well-intentioned, quickly became one of the largest financial relief efforts in U.S. history — and one of the most exploited.

According to the U.S. Department of Justice, as of mid-2023, over 2,000 individuals have been charged with PPP-related fraud.

Estimates suggest more than $100 billion in pandemic relief funds may have been obtained fraudulently. according to DOJ/Federal estimates

Common tactics included inflating employee counts, falsifying payroll documents, or creating entirely fake businesses to secure funding.

In this broader context, every large loan — particularly those over $1 million — deserves careful public oversight.

• How PPP Loans Were Misused

  To understand why scrutiny matters, it’s helpful to examine the most common methods of PPP abuse.

  Employee Inflation: Borrowers claimed dozens or even hundreds of employees who did not exist. This artificially boosted loan eligibility.

  Payroll Misrepresentation: Some businesses exaggerated payroll costs, later struggling to prove how funds were used.

  Diversion of Funds: Instead of paying employees, funds were spent on luxury purchases, real estate, or personal expenses.

  Paperwork Loopholes: Because the PPP was rolled out rapidly, lenders and regulators often relied on self-certifications rather than rigorous audits.

• Does This Case Fit the Pattern?

  For NORTH CHURCH NURSING AND REHAB, LLC, the records indicate compliance on paper. The SBA granted full forgiveness, suggesting that the company met the formal requirements of job retention and eligible expenses. However, several aspects remain worth questioning.

  Did the company truly employ 85 people at the time of the loan?

  Was the $552,267.50 in payroll supported by verifiable tax and wage filings?

• The Role of Citizen Oversight

  CitizenCheck is built on the principle that transparency leads to accountability. While regulators like the SBA, DOJ, and FTC play a central role in investigating fraud, community-driven flagging ensures that questionable cases do not go unnoticed.

  On the NORTH CHURCH NURSING AND REHAB, LLC profile, users have the ability to flag the loan as suspicious. If more than 100 flags are recorded, the case is escalated directly to federal agencies for review. This creates a layer of public accountability that supplements official oversight.

  Your vigilance can help determine whether loans like this fulfilled their mission — or whether taxpayer dollars may have been misused

• A Neutral but Necessary Question

  The goal here is not to accuse, but to evaluate. Public data suggests the loan was forgiven, which implies program compliance. Yet, the unusual forgiveness figures, unanswered borrower details, and nationwide history of PPP fraud all combine to justify a closer look.

  The real question is simple:

  Did this loan genuinely preserve 85 jobs and stabilize a Florida-based non-profit during the pandemic?

  Or does it fit into the broader pattern of questionable reporting seen across the PPP program?

  Only full transparency — payroll records, tax filings, and employment verification — can answer that definitively.

• Your Voice Matters

  The PPP program was funded by taxpayers and designed to save American jobs. Ensuring that funds were used responsibly is a collective responsibility. If you have direct knowledge about this loan, the operations of NORTH CHURCH NURSING AND REHAB, LLC, or if you believe something does not add up, you can flag this loan for review.

  Every submission helps regulators focus their investigations on the most questionable cases. Together, citizen oversight and federal enforcement can safeguard the integrity of emergency relief programs

• Final Thoughts

  NORTH CHURCH NURSING AND REHAB, LLC’s PPP loan is one of many large loans that highlight the complexities of pandemic relief. While forgiveness suggests compliance, anomalies such as excess forgiveness amounts and unanswered borrower information invite scrutiny.

  By combining factual SBA records, investigative curiosity, and citizen participation, we can ensure that the Paycheck Protection Program is remembered not for waste and fraud, but for its true purpose: protecting jobs and communities in a time of crisis.