# EDGAR Filing Document

**Accession Number:** 0001854963
**File Stem:** 0001493152-26-014395
**Filing Date:** 2026-4
**Character Count:** 8900
**Document Hash:** bbc28f86c376da93f45d68509cc9d683
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-26-014395.hdr.sgml**: 20260401

**ACCESSION NUMBER**: 0001493152-26-014395

**CONFORMED SUBMISSION TYPE**: NT 10-K

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260401

**DATE AS OF CHANGE**: 20260331

**EFFECTIVENESS DATE**: 20260401

**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:** NT 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-40524
- **FILM NUMBER:** 26823949

**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

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| | |
|:---|:---|
| **UNITED STATES** | SEC FILE NUMBER |
| **SECURITIES AND EXCHANGE COMMISSION** | 001-40524 |
| **Washington, D.C. 20549** | CUSIP NUMBER<br> 824430300 |

---

**FORM 12b-25**

**NOTIFICATION OF LATE FILING**

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| | | |
|:---|:---|:---|
| *(Check one):* | ☒ Form 10-K ☐ Form 20-F ☐ Form 11-K ☐ Form 10-Q ☐ Form 10-D ☐ Form N-SAR ☐ Form N-CSR | ☒ Form 10-K ☐ Form 20-F ☐ Form 11-K ☐ Form 10-Q ☐ Form 10-D ☐ Form N-SAR ☐ Form N-CSR |
|  | For Period Ended: | December 31, 2025 |
|  | ☐ Transition Report on Form 10-K | ☐ Transition Report on Form 10-K |
|  | ☐ Transition Report on Form 20-F | ☐ Transition Report on Form 20-F |
|  | ☐ Transition Report on Form 11-K | ☐ Transition Report on Form 11-K |
|  | ☐ Transition Report on Form 10-Q | ☐ Transition Report on Form 10-Q |
|  | ☐ Transition Report on Form N-SAR | ☐ Transition Report on Form N-SAR |
|  | For the Transition Period Ended: | For the Transition Period Ended: |

---

**Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.**

If the notification relates to a portion of the filing checked above, identify the item(s) to which the notification relates: Not applicable.

**PART I — REGISTRANT INFORMATION**

**SHF HOLDINGS, INC.**

**Full Name of Registrant**

**N/A**

**Former Name if Applicable**

**1526 Cole Blvd., Suite 250**

**Address of Principal Executive Office (*Street and Number)***

**Golden, Colorado 80401**

**City, State and Zip Code**

**PART II — RULES 12b-25(b) AND (c)**

If the subject report could not be filed without unreasonable effort or expense and the registrant seeks relief pursuant to Rule 12b-25(b), the following should be completed. (Check box if appropriate.)

&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 reasons described in reasonable detail in Part III of this form could not be eliminated without unreasonable effort or expense;

☒ (b) The
 subject annual report, semi-annual report, transition report on Form 10-K, Form 20-F, Form 11-K, Form N-SAR or Form N-CSR, or portion
 thereof, will be filed on or before the fifteenth calendar day following the prescribed due date; or the subject quarterly report
 or transition report on Form 10-Q or subject distribution report on Form 10-D, or portion thereof, will be filed on or before the
 fifth calendar day following the prescribed due date; and

(c) The
 accountant's statement or other exhibit required by Rule 12b-25(c) has been attached if applicable.

**PART III - NARRATIVE**

State below in reasonable detail why the Form 10-K, 20-F, 11-K, 10-Q, 10-D, N-SAR, N-CSR or the transition report portion thereof, could not be filed within the prescribed time period. (Attach extra sheets if needed.)

As of March 31, 2026, SHF Holdings, Inc. (the "Company") is unable to file its Annual Report on Form 10-K for the year ended December 31, 2025 (the "Form 10-K") within the prescribed time period without unreasonable effort or expense. The Company finalized a significant transaction in 2026 that, under applicable accounting guidance, requires recognition in the Company's 2025 financial statements. The Company requires additional time to complete the accounting for this transaction and ensure adequate presentation of the related financial information in the Form 10-K. The Company expects to file the Form 10-K within the fifteen-calendar-day extension period provided under Rule 12b-25.

The Company currently expects to file the Form 10-K for the year ended December 31, 2025, within the fifteen-day extension period provided under Rule 12b-25 of the Securities Exchange Act of 1934, as amended.

**PART IV - OTHER INFORMATION**

(1) Name
 and telephone number of person to contact in regard to this notification:

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| | | |
|:---|:---|:---|
| **Terrance Mendez, Chief Executive Officer and Chief Financial Officer** | **(303)** | **431-3435** |
| **Name** | **(Area Code)** | **(Telephone Number)** |

---

(2) Have
 all other periodic reports required under Section 13 or 15(d) of the Securities Exchange
 Act of 1934 or Section 30 of the Investment Company Act of 1940 during the preceding 12 months
 or for such shorter period that the registrant was required to file such report(s) been filed?
 If the answer is no, identify report(s). ☐ Yes ☒ No The
 Company's (i) Annual Report on Form 10-K for the fiscal year ended December 31, 2024 and (ii) Quarterly Report on Form 10-Q
 for the three months ended March 31, 2025.

(3) Is
 it anticipated that any significant change in results of operations from the corresponding period for the last fiscal year will be
 reflected by the earnings statements to be included in the subject report or portion thereof? ☐ Yes ☒ No

If so, attach an explanation of the anticipated change, both narratively and quantitatively, and, if appropriate, state the reasons why a reasonable estimate of the results cannot be made.

**CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS**

This Form 12b-25 includes "forward-looking statements," which may be identified by the use of words such as "anticipates," "will," "believes," "intends," "plans," "expects" and other similar words and expressions that predict or indicate future events or trends that are not statements of historical matters. These forward-looking statements include statements and expectations about the Company's results and the timing of the filing of its Annual Report on Form 10-K for the period ended December 31, 2025. Forward-looking statements are based on information available at the time those statements are made and/or management's good faith belief as of that time with respect to future events and are subject to risks and uncertainties that could cause actual performance or results to differ materially from those expressed in or suggested by the forward-looking statements. Such risks and uncertainties include, without limitation, the risk that, upon completion of further procedures, the financial results for the period ended December 31, 2025 are different than the results described in this Form 12b-25, the risk that the Company is unable to complete its closing procedures in a timely manner to file its Annual Report on Form 10-K as indicated in this Form 12b-25, as well as those risks and uncertainties described in the Company's most recent Annual Report on Form 10-K filed with the Securities and Exchange Commission ("SEC") and similar disclosures in subsequent periodic and current reports filed with the SEC, which are available on the SEC website at www.sec.gov. Readers are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date on which they are made. The Company disclaims any obligation to update or correct any forward-looking statements made herein due to the occurrence of events after the issuance of this report except as required under federal securities laws.

**SHF HOLDINGS, INC.**

**(Name of Registrant as Specified in Charter)**

has caused this notification to be signed on its behalf by the undersigned thereunto duly authorized.

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| | | |
|:---|:---|:---|
| Date: March 31, 2026 | By: | */s/ Terrance Mendez* |
|  |  | Terrance Mendez |
|  |  | Chief Executive Officer and Chief Financial Officer |

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INSTRUCTION: The form may be signed by an executive officer of the registrant or by any other fully authorized representative. The name and title of the person signing the form shall be typed or printed beneath the signature. If the statement is signed on behalf of the registrant by an authorized representative (other than an executive officer), evidence of the representative's authority to sign on behalf of the registrant shall be filed with the form.