Welcome to our dedicated page for SHF Holdings SEC filings (Ticker: SHFSW), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
SHF Holdings, Inc. filings document a financial-services company focused on compliant banking, lending and related services for regulated cannabis and hemp businesses. Annual, registration and current reports describe Safe Harbor’s service model, revenue sources, lending platform, deposit-related services, regulatory compliance activities and risks tied to serving cannabis-related businesses.
The company’s SEC record also covers capital-structure matters for Class A common stock, redeemable warrants and Series B convertible preferred stock, including securities purchase agreements, registration statements, warrant and conversion terms, and other material events. Proxy materials disclose board elections, annual meeting voting matters, auditor ratification and related governance procedures.
SHF Holdings, Inc. filed an initial insider ownership report for Douglas Beck, who serves as PAO SVP of Finance Controller. This Form 3 identifies him as a reporting person for the company’s stock. The filing does not list any buy, sell, or other share transactions.
SHF Holdings, Inc. will hold its 2026 virtual annual stockholders meeting on June 17, 2026 at 7:30 a.m. Mountain Daylight Time. Stockholders as of April 30, 2026 may vote on electing two Class II directors and ratifying Macias, Gini & O’Connell LLP as independent auditor for 2026.
The board is majority independent, with staggered three-year terms and fully independent audit, compensation, and nominating committees. The company details executive and director compensation, including equity awards, and discloses an ongoing Abaca merger-related lawsuit where a court upheld counterclaims on the validity of a merger amendment and related breach, with damages to be determined.
SHF Holdings, Inc. has filed a Form S-1 registering 22,598,184 shares of Class A common stock for resale by selling stockholders. This includes 21,517,377 shares underlying Series B Warrants at a temporarily reduced exercise price of $0.65 and 1,080,807 shares issued to Partner Colorado Credit Union.
The company will not receive proceeds from stockholder resales but could receive up to approximately $15.3 million if all Series B Warrants are exercised for cash. The filing highlights sharp revenue declines, a substantial doubt going-concern warning tied to recurring losses, significant 65% loan-loss indemnification exposure under the Second Amended CAA, and heightened Nasdaq delisting risk from a sub‑$1.00 share price and a proposed $5 million minimum market cap rule.
SHF Holdings, Inc. is temporarily lowering the economics on a prior financing. The company voluntarily reduced the conversion price of its Series B Convertible Preferred Stock to $0.65 per share from May 6, 2026 through July 31, 2026.
It also reduced the cash exercise price of the related Series B Warrants to $0.65 per share, effective during a period that will run from SEC effectiveness of a planned Form S-1 registration statement until July 31, 2026. The Board and the Required Holder under the Securities Purchase Agreement approved these temporary changes and may delay the start of the reduction periods if needed to comply with applicable laws and regulations.
SHF Holdings, Inc. (Safe Harbor) filed an 8-K to highlight the expansion of its lending platform for cannabis-related businesses. The company is adding products such as commercial real estate financing, working capital loans, equipment financing, cash flow lending, bridge loans, sale-leasebacks, business acquisition financing, and loan syndications.
Safe Harbor works with private credit funds, family offices and institutional partners to match qualified cannabis operators, ancillary businesses and investors with capital sources. The expansion follows a cannabis-focused 401(k) launch and supports the firm’s broader goal of providing integrated banking, payments, financial operations support and growth capital on a single platform, while reiterating standard forward-looking statement cautions.
SHF Holdings, Inc. received a Nasdaq notice that its Class A common stock has closed below $1.00 for 30 consecutive business days, triggering a 180-day grace period until October 19, 2026 to regain compliance by maintaining a bid of at least $1.00 for 10 straight trading days.
The company also reported board changes: director Sundie Seefried resigned and Tyler Klimas and Sean Tonner were appointed, with the board size increasing from five to six seats.
In ongoing litigation over its Abaca acquisition, a Colorado court denied the company’s summary judgment motion and granted counterclaim plaintiffs’ motions on the validity of a Second Amendment and a related breach of the merger agreement, with damages and a disputed $3.0 million second-anniversary payment to be determined later.
SHF Holdings, Inc., doing business as Safe Harbor, announced the launch of the Safe Harbor Retirement Plan, a pooled employer 401(k) plan built specifically for state-legal cannabis businesses and companies that serve them. The plan aims to give cannabis employers and employees more stable, compliant access to retirement benefits, using collective investment trusts structured to fit applicable laws.
This new retirement offering broadens Safe Harbor’s financial solutions platform, which already includes employee banking and payroll and HR support through acquired and partnered providers. The first adopting employer is Safe Harbor itself. The company notes it has facilitated more than $35.4 billion in cannabis-related transactions across 41 states and territories through its Cannabis Banking Solutions platform and partner financial institutions.
SHF Holdings, Inc., which operates as Safe Harbor Financial, reported 2025 results showing a major balance sheet turnaround but weaker revenue and profitability. The company eliminated substantially all of its about $18 million of debt in a September 30, 2025 recapitalization and ended 2025 with $6.8 million in cash and cash equivalents.
Total stockholders’ equity improved to a positive $8.2 million at December 31, 2025, compared with a stockholders’ deficit of $(12.3) million a year earlier, while total liabilities fell to $9.0 million from $25.5 million. Working capital moved from a deficit to a surplus of about $5.7 million.
On the income side, full-year 2025 revenue was $7.7 million, down from $15.2 million in 2024, and the company recorded a net loss of $2.2 million versus a $48.3 million loss in 2024 that included a very large tax expense and impairment charges. Adjusted EBITDA declined to a $(3.9) million loss from a $2.9 million gain. However, in the fourth quarter of 2025, loan program income rose 70% sequentially, total revenue grew 12% from the third quarter, and operating expenses declined 10% after excluding a success-based employee bonus, signaling improving operating leverage as the company expands beyond core banking and lending into insurance, payments, and consulting solutions.
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.
SHF Holdings, Inc. d/b/a Safe Harbor Financial reported preliminary unaudited 2025 results showing total revenue of $7, down 50% from $15 in 2024. Deposit and activity income fell to $4 from $6, loan program income to $2 from $6, and investment income to $1 from $2.
In Q4 2025, total revenue was $2, up from $1 in Q3 2025, a 12% sequential increase tied to improved terms under the Second Amended Commercial Alliance Agreement with PCCU, which raised the Company’s loan program income share to up to 65% and extended the relationship through December 31, 2031.
Safe Harbor’s balance sheet strengthened, with cash and cash equivalents rising to $6 from $2 and total debt falling to $0 from $18, following a September 2025 recapitalization that eliminated approximately $18.3 million of debt and raised $6.8 million of new capital. The Company also reports that a majority of previously identified material weaknesses were remediated and has filed a Notification of Late Filing on Form 12b-25, expecting to file its Form 10-K within the fifteen-calendar-day extension period.