# EDGAR Filing Document

**Accession Number:** 0001854963
**File Stem:** 0001493152-26-019774
**Filing Date:** 2026-4
**Character Count:** 12052
**Document Hash:** 7365d2b4424d94bc580eced33ac6bb09
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-26-019774.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001493152-26-019774

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20260430

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SHF Holdings, Inc.
- **CENTRAL INDEX KEY:** 0001854963
- **STANDARD INDUSTRIAL CLASSIFICATION:** FINANCE SERVICES [6199]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 862409612
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-40524
- **FILM NUMBER:** 26920260

**BUSINESS ADDRESS:**
- **STREET 1:** 1526 COLE BLVD.
- **STREET 2:** SUITE 250
- **CITY:** GOLDEN
- **STATE:** CO
- **ZIP:** 80401
- **BUSINESS PHONE:** (303) 431-3435

**MAIL ADDRESS:**
- **STREET 1:** 1526 COLE BLVD.
- **STREET 2:** SUITE 250
- **CITY:** GOLDEN
- **STATE:** CO
- **ZIP:** 80401

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Northern Lights Acquisition Corp.
- **DATE OF NAME CHANGE:** 20210402

?xml version='1.0' encoding='ASCII'?

**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): <u>April 30, 2026</u>

**<u>SHF Holdings, Inc.</u>**

(Exact name of registrant as specified in its charter)

Delaware

(State or other jurisdiction of incorporation)

<u>001-40524</u> <u>86-2409612</u> <br> (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 <u>(303) 431-3435</u>

(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](ex99-1.htm) |
| 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.** | **SHF HOLDINGS, INC.** |
| Date: April 30, 2026 | By: | */s/ Terrance Mendez* |
|  |  | Terrance Mendez |
|  |  | Chief Executive Officer and Chief Financial Officer |

---

## Exhibit 99.1

**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 **<u>Safe Harbor</u>** ("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<br>** 

<br> 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 <u>cannabis-focused 401(k) plan</u>, 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 <u>shfinancial.org</u>.

**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 <u>shfinancial.org</u>.

**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:**<br> <u>ir@SHFinancial.org</u>

**Safe Harbor Media Relations Contact:**<br> <u>safeharbor@kcsa.com</u>

###