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UNITED
STATES
SECURITIES
AND EXCHANGE COMMISSION
Washington,
D.C. 20549
FORM
8-K
CURRENT
REPORT
Pursuant
to Section 13 or 15(d) of
the
Securities Exchange Act of 1934
Date
of Report (Date of earliest event reported): April 30, 2026
SHF
Holdings, Inc.
(Exact
name of registrant as specified in its charter)
Delaware
(State
or other jurisdiction of incorporation)
| 001-40524 |
|
86-2409612 |
(Commission
File
Number) |
|
(IRS
Employer
Identification
No.) |
1526
Cole Blvd., Suite 250
Golden,
Colorado 80401
(Address
of principal executive offices) (Zip Code)
Registrant’s
telephone number, including area code (303) 431-3435
(Former
name or former address, if changed since last report)
Check
the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under
any of the following provisions:
| ☐ |
Written
communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
| |
|
| ☐ |
Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
| |
|
| ☐ |
Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
| |
|
| ☐ |
Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |
Securities
registered pursuant to Section 12(b) of the Act:
| Title
of Each Class |
|
Trading
Symbol(s) |
|
Name
of Each Exchange on Which Registered |
| Class
A Common Stock, $0.0001 par value per share |
|
SHFS |
|
The
Nasdaq Stock Market LLC |
| Redeemable
Warrants, each whole warrant exercisable for one share of Class A Common Stock at an exercise price of $230.00 per share |
|
SHFSW |
|
The
Nasdaq Stock Market LLC |
Indicate
by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405
of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging
growth company ☒
If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
Item
8.01 Other Events.
On
April 30, 2026, SHF Holdings, Inc. issued a press release announcing an expansion of the financing solutions it offers to cannabis related
businesses (“CRBs”). These solutions are designed to meet the operational and growth needs of CRBs.
A
copy of the press release announcing the launch is included as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by
reference herein.
Item
9.01. Financial Statements and Exhibits
| Exhibit
No. |
|
Description |
| 99.1 |
|
Press Release dated April 30, 2026 |
| 104 |
|
Cover
Page Interactive Data File (embedded within the Inline XBRL document). |
SIGNATURES
Pursuant
to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its
behalf by the undersigned hereunto duly authorized.
| |
SHF
HOLDINGS, INC. |
| |
|
|
| Date:
April 30, 2026 |
By: |
/s/
Terrance Mendez |
| |
|
Terrance
Mendez |
| |
|
Chief
Executive Officer and Chief Financial Officer |
Exhibit
99.1
Safe
Harbor Expands Financial Platform with Enhanced Lending Capabilities to Support Cannabis Industry Growth
Expanded
platform now includes commercial real estate financing, working capital, business expansion financing, equipment financing, cash flow
lending, syndications and more
DENVER
(April 30, 2026) — SHF Holdings, Inc., d/b/a Safe Harbor (“Safe Harbor”) (NASDAQ: SHFS), a leading
fintech platform serving the banking, lending, and financial services needs of the regulated cannabis and hemp industries, today announced
the expansion of its lending platform, which is expected to significantly broaden the financing solutions available to cannabis related
businesses (“CRBs”) nationwide.
Expanding
Access to Capital Across the Cannabis Ecosystem
Building
on its foundation in compliant cannabis banking and commercial real estate-backed lending, Safe Harbor now offers a wider range of financing
solutions designed to meet the operational and growth needs of CRBs at every stage.
New
and expanded financing capabilities include:
| ● | Commercial
Real Estate Financing |
| ● | Working
Capital, Term Loans and Lines of Credit |
| ● | Equipment
Financing |
| ● | Leasehold
Improvements and Business Expansion Financing |
| ● | Revenue-Based
and Cash Flow Lending Structures |
| ● | Accounts
Receivable and Invoice Financing |
| ● | Purchase
Order and Vendor-Related Financing |
| ● | Bridge
Financing |
| ● | Sale-Leaseback
Transactions |
| ● | Business
Acquisition and Partner Buyouts |
| ● | Loan
Syndications and Participations |
Addressing
Industry-Specific Financing Challenges
Safe
Harbor works with a network of private credit funds, family offices and institutional partners to connect qualified borrowers with potentially
appropriate sources of capital, while also supporting syndications for larger or more complex transactions.
“Cannabis
businesses operate within a financial system that was not built for them,” said Safe Harbor CEO Terry Mendez. “Access to
capital requires a deeper understanding of regulatory constraints, cash flow dynamics and operational realities. This expansion reflects
our continued commitment to building solutions that align with how this industry actually functions.”
Supporting
Growth Through Tailored Capital Solutions
Safe
Harbor’s lending platform is built for licensed cannabis operators, ancillary businesses that service state-licensed cannabis operators,
cannabis real estate investors and growth-stage companies seeking practical access to capital. Financing requests are reviewed individually
based on business performance, objectives, use of funds, collateral, ownership structure and overall opportunity.
Mendez
added: “There is no one-size-fits-all loan product in cannabis. Our job is to understand the individual business, evaluate the
opportunity and help identify and tailor a viable path to capital that supports long-term success.”
Following
the recent launch of its cannabis-focused 401(k) plan, the lending platform expansion is part of Safe Harbor’s broader mission
to provide the financial infrastructure and services cannabis businesses need to succeed, combining banking, payments, financial operations
support and access to growth capital through one trusted platform.
To
learn more about Safe Harbor and its new and expanded financing capabilities, visit shfinancial.org.
About
Safe Harbor
Safe
Harbor is a cannabis-exclusive financial platform delivering smarter banking, lending, payments and business services tailored to how
the cannabis industry actually operates. As one of the original pioneers of compliant financial operations support and cannabis banking
consulting in the U.S., Safe Harbor has assisted in the processing of more than $35 billion in cannabis-related depository funds across
41 states and territories. Through its proprietary Cannabis Banking Solutions™ Platform and network of regulated financial institution
partners, Safe Harbor empowers cannabis operators to gain clarity, control and confidence in their financial operations. From daily banking
to long-term growth, Safe Harbor provides real solutions and personal support — built exclusively for cannabis. Safe Harbor is
a financial technology company, not a bank. Banking services are provided by our partner financial institutions. For more information,
visit shfinancial.org.
Cautionary
Statement Regarding Forward-Looking Statements:
Certain
information contained in this press release may contain “forward-looking statements” within the meaning of the Private Securities
Litigation Reform Act of 1995. Statements other than statements of historical facts included herein may constitute forward-looking statements
and are not guarantees of future performance or results and involve a number of risks and uncertainties. Forward-looking statements may
include, but are not limited to, statements with respect to Safe Harbor’s ability to satisfy the required conditions to utilize
its equity line of credit (the “ELOC”); market conditions that may impact Safe Harbor’s ability to access the ELOC
on acceptable terms or at all; the possibility that the ELOC may not be fully utilized; expected use of proceeds from the ELOC; trends
in the cannabis industry, including proposed changes in U.S and state laws, rules, regulations and guidance relating to Safe Harbor’s
services; Safe Harbor’s growth prospects and Safe Harbor’s market size; Safe Harbor’s projected financial and operational
performance, including relative to its competitors and historical performance; success or viability of new product and service offerings
Safe Harbor has introduced or may introduce in the future; the impact volatility in the capital markets, which may adversely affect the
price of Safe Harbor’s securities; the outcome of any legal proceedings that have been or may be brought by or against Safe Harbor;
and other statements regarding Safe Harbor’s expectations, hopes, beliefs, intentions or strategies regarding the future. In addition,
any statements that refer to projections, forecasts or other characterizations of future events or circumstances, including any underlying
assumptions, are forward-looking statements. The words “anticipate,” “believe,” “continue,” “could,”
“estimate,” “expect,” “intends,” “outlook,” “may,” “might,” “plan,”
“possible,” “potential,” “predict,” “project,” “should,” “would,”
and similar expressions may identify forward-looking statements, but the absence of these words does not mean that a statement is not
forward-looking. Forward-looking statements are predictions, projections and other statements about future events that are based on current
expectations and assumptions and, as a result, are subject to risks and uncertainties. Actual results may differ materially from those
in the forward-looking statements as a result of a number of factors, including those described from time to time in Safe Harbor’s
filings with the U.S. Securities and Exchange Commission. Safe Harbor undertakes no duty to update any forward-looking statement made
herein. All forward-looking statements speak only as of the date of this press release.
Safe
Harbor Investor Relations Contact:
ir@SHFinancial.org
Safe
Harbor Media Relations Contact:
safeharbor@kcsa.com
###
