Form 8-K

8-K — SHF Holdings, Inc.

Accession: 0001493152-26-019774

Filed: 2026-04-30

Period: 2026-04-30

CIK: 0001854963

SIC: 6199 (FINANCE SERVICES)

Item: Other Events

Item: Financial Statements and Exhibits

Documents

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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 ☒

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.

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.

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

EX-99.1

Filename: ex99-1.htm · Sequence: 2

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.

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

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