Davis and Evins used the identities of three NFL players -- "D.N.," "X.M." and "M.P." -- to apply for the loans. The Guardian, which first reported the story, identified D.N., X.M. and M.P. as Njoku, McKinney and Penix, respectively.
To convince lenders they were the three players, the court documents allege that Davis and Evins created "fabricated personal financial statements, Secretary of State documents, and bank statements for companies purportedly operated by the players." The document, filed March 19 in Atlanta, alleges that Davis and Evins registered companies similar to the names of the players to accomplish this.
Davis would show up "dressed in disguise and impersonated the players" at the loan closings, including using fake driver's licenses to fool the lenders and the notary public, federal prosecutors stated. Davis allegedly wore makeup and a wig to impersonate Njoku during a recorded video conference to close a loan for a $4 million promissory note on Jan. 22, 2024, with lender Aliya Sports Finance and underwriter Sure Sports.
The real D.N., the documents said, never had a Georgia driver's license. The license number Davis provided was for a woman in Savannah, Georgia.
Two months later, according to the court filing, Sure Sports emailed Davis, believing he was McKinney, to sign for a $4.4 million loan at the Ritz-Carlton in New York City on April 1, 2024. Davis and Evins allegedly flew from Atlanta to New York and met with Sure and Aliya representatives by video conference. Davis was later identified in a Florida civil lawsuit as McKinney.
On July 26, 2024, Sure Sports and All-Pro Capital Funding set up a video conference to close a loan with "M.P." at a SpringHill Suites in Buford, Georgia. Davis allegedly showed up impersonating Penix to secure a $3.3 million promissory note from All-Pro Capital, showing up with a "durag-style head covering" and providing a fake Florida license with a photo found online.
In all, the court filing alleges there were at least 13 fake loans for more than $19.8 million. Lenders allegedly wired money to accounts controlled by Davis and Evins for fake companies they set up, and then they transferred the money into companies the two actually owned.
Aliya sued Sure Sports in Florida's 11th Circuit Court in February 2025, alleging negligence, gross negligence, negligent misrepresentation and unjust enrichment, according to court records. That case is still pending.