Here are the 10-K annual reports from SHF Holdings, Inc. (SHFS) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow SHFS and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SHFS filings page.
SHF Holdings, Inc. files its annual report describing a niche financial services platform focused on providing compliant banking and lending infrastructure to cannabis-related businesses through partner institutions, primarily Partner Colorado Credit Union (PCCU).
The company has helped process approximately $35.4 billion of cannabis-related deposits across 41 states and territories and relies heavily on its Second Amended Commercial Alliance Agreement with PCCU, which supplies most revenue but also requires SHF to indemnify up to 65% of loan losses. Management highlights substantial doubt about the company’s ability to continue as a going concern after a $5.4 million operating loss and negative operating cash flow, partly mitigated by a September 2025 recapitalization that eliminated about $18 million of debt, raised $6.7 million of new capital, and established a $150 million equity line of credit.