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.
The SHF Holdings, Inc. SHFSW SEC filings page brings together the company’s regulatory disclosures, including documents that describe its Nasdaq-listed redeemable warrants and related capital arrangements. SHFSW denotes the redeemable warrants of SHF Holdings, Inc., with each whole warrant exercisable for one share of Class A common stock at an exercise price of $11.50 per share, as disclosed in an 8-K filing.
In its 8-K, SHF Holdings, Inc. reports entering into a Common Stock Purchase Agreement with CREO Investments LLC. This filing outlines the conditions under which the company may sell Class A common stock to CREO, the definition of the VWAP Purchase Price, the exchange cap based on Nasdaq rules, and several automatic termination events. The same filing describes a related registration rights agreement covering the resale of common stock issued under the purchase agreement and notes that net proceeds are expected to be used for working capital and general corporate purposes.
On this page, users can review such 8-Ks and other SEC documents to understand how SHF Holdings, Inc. structures its financing arrangements, how SHFSW is defined, and how regulatory requirements are reflected in formal disclosures. Filings may also reference the company’s focus on financial services for cannabis-related businesses and its emphasis on Bank Secrecy Act obligations and FinCEN guidance.
Stock Titan enhances access to these filings with AI-powered summaries that explain key terms, highlight important clauses, and clarify complex sections of documents such as 8-Ks, 10-Ks, and 10-Qs. Real-time updates from EDGAR, along with structured views of forms like Form 4 for insider transactions when available, help users quickly locate and interpret information relevant to SHF Holdings, Inc. and its SHFSW warrants.
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. (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. 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., 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., 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. 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.
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.
SHF Holdings, Inc., doing business as Safe Harbor Financial, entered a Second Amended and Restated Commercial Alliance Agreement with Partner Colorado Credit Union, extending their core partnership through December 31, 2031 with automatic two‑year renewals.
The amended agreement changes loan economics so Safe Harbor can receive up to 65% of net interest income on covered loans while indemnifying up to 65% of default-related losses, with PCCU covering the remaining 35%. A prior 1.0% flat asset hosting fee is replaced by a sliding scale from 0.50% on deposits under $25 million to 1.25% on deposits over $125 million.
In a related press release, Safe Harbor estimates about $9 million of incremental revenue and more than $1.5 million of total cost savings over the revised 6.25‑year term, plus a retroactive payment of approximately $400,000 from PCCU. Safe Harbor must also escrow its key software source code, which PCCU can license if specified default or insolvency events occur.
SHF Holdings, Inc., doing business as Safe Harbor Financial, entered a Second Amended and Restated Commercial Alliance Agreement with Partner Colorado Credit Union, extending their core partnership through December 31, 2031 with automatic two‑year renewals.
The amended agreement changes loan economics so Safe Harbor can receive up to 65% of net interest income on covered loans while indemnifying up to 65% of default-related losses, with PCCU covering the remaining 35%. A prior 1.0% flat asset hosting fee is replaced by a sliding scale from 0.50% on deposits under $25 million to 1.25% on deposits over $125 million.
In a related press release, Safe Harbor estimates about $9 million of incremental revenue and more than $1.5 million of total cost savings over the revised 6.25‑year term, plus a retroactive payment of approximately $400,000 from PCCU. Safe Harbor must also escrow its key software source code, which PCCU can license if specified default or insolvency events occur.
SHF Holdings, Inc. entered into a Common Stock Purchase Agreement with CREO Investments LLC allowing the company to sell up to the lesser of $150,000,000 of Class A common stock or 582,899 shares, which represents 19.99% of shares outstanding immediately before signing, until any required stockholder approval is obtained. The agreement functions as an equity financing facility under which SHF can, at its discretion, direct CREO to buy shares over a period of up to 36 months at a price equal to 90% of the lower of the stock’s lowest sale price or volume-weighted average price on specified trading days.
The total purchase commitment may be increased by mutual agreement up to an aggregate of $500,000,000, with SHF issuing additional preferred "CREO Commitment Shares" equal to 0.75% of each $100,000,000 increase. SHF will also issue $1.0 million in stated value of a new series of preferred stock to CREO as consideration for its commitment and has agreed to register the resale of shares issued under the arrangement. The company states it expects to use any net proceeds for working capital and general corporate purposes, subject to Nasdaq’s 19.99% exchange cap unless stockholders approve issuances above that threshold.
SHF Holdings, Inc. reporting person Terrance Elliot Mendez, who serves as a director, CEO and interim CFO, disclosed receipt of a stock option on 08/07/2025. The option covers 91,751 shares of common stock with an exercise price of $2.40 per share and shows 91,751 shares beneficially owned following the transaction in a direct capacity. The option has an expiration/exercisable reference of 08/06/2035 and vests 100% only upon the issuer completing an equity financing that raises at least $4 million. The Form 4 is signed by Mr. Mendez on 09/17/2025.
Insider grant vested and became exercisable: Francis A. Braun III, a director of SHF Holdings, Inc. (ticker shown as SHFS in the filing), had a stock option that vested 100% on August 7, 2025. The option covers 53,144 underlying shares with an exercise price of $2.40 per share and an expiration date of August 6, 2035. Following the reported transaction the filing shows 53,114 shares beneficially owned directly.
The filing is a Form 4 reporting an individual (one reporting person) exercise-right acquisition event for an insider director. The signature block shows the report was signed on September 17, 2025. No cash exercise or sale of shares is reported in this Form 4; it documents the vesting and resulting beneficial ownership and the terms of the derivative (option).