Form 8-K

8-K — SHF Holdings, Inc.

Accession: 0001493152-26-036747

Filed: 2026-08-10

Period: 2026-08-10

CIK: 0001854963

SIC: 6199 (FINANCE SERVICES)

Item: Results of Operations and Financial Condition

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): August 10, 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

2.02. Results of Operations and Financial Condition.

August 10, 2026, SHF Holdings, Inc. issued a press release announcing its financial results for the three months ended June 30, 2026.

The

information contained in this Item 2.02 and Exhibit 99.1 of this Current Report shall not be deemed “filed” for purposes

of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any

filing under the Securities Act of 1933, as amended (the “Securities Act”) or the Exchange Act, except as shall be expressly

set forth by specific reference in such a filing. The furnishing of the information in this Item 2.02 and Exhibit 99.1 of this Current

Report on Form 8-K is not intended to, and does not, constitute a representation that such furnishing is required by Regulation FD or

that the information contained in this Current Report on Form 8-K constitutes material investor information that is not otherwise publicly

available.

Item

9.01. Financial Statements and Exhibits.

Exhibit

No.

Description

99.1

Press Release dated August 10, 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:

August 10, 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 Financial Reports Second Quarter 2026 Results and Provides Corporate Update

Second

Quarter 2026 Revenue of Approximately $1.9 Million, Up 4.8% Year Over Year

Loan

Program Income Up 50.7% Year Over Year to Approximately $0.8 Million

Average

Deposit Balances Increased 6.8% Year Over Year to $108.4 Million, Reflecting Continued Momentum from Enhanced Marketing and a Customer-Focused

Growth Strategy

Cash

and Cash Equivalents of $5.7 Million and Stockholders’ Equity of $6.1 Million as of June 30, 2026

DENVER,

August 10, 2026 (GLOBE NEWSWIRE): SHF Holdings, Inc., d/b/a Safe Harbor Financial (“Safe Harbor” or the “Company”)

(NASDAQ: SHFS), a leading fintech platform serving the banking, lending, and financial services needs of the regulated cannabis and hemp

industries, today announced its financial results for the second quarter ended June 30, 2026.

“Our

second quarter results reflect the continued execution of the growth strategy we have been building over the past several quarters,”

said Terrance Mendez, Chief Executive Officer and Chief Financial Officer of Safe Harbor. “Loan program income grew more than 50%

year over year for the second consecutive quarter, and average deposit balances increased 6.8% year over year to $108.4 million, with

our trailing 14-day average balance up 7.9%. We believe this deposit growth is a direct result of the enhanced marketing and customer-focused

initiatives we have put in place, which are winning new customers and increasing average balances across our platform.”

“As

expected, general and administrative expenses increased year over year, primarily reflecting continued strategic investment in marketing,

brand awareness and systems, together with a franchise tax refund recognized in the second quarter of 2025 that did not recur this year,”

Mr. Mendez continued. “Our underlying expense trends remain consistent with our commitment to disciplined cost management, and

we continue to identify further opportunities for efficiency even as we invest in the platform.”

“Growth

and execution remain our top priorities for the remainder of 2026,” Mr. Mendez added. “We are continuing to invest in the

people, systems and products that support that our growth, including the expansion of our consulting and managed services offering and

our purpose-built pooled employer retirement plan, which has already onboarded multiple clients and earned the endorsement of Canopy

HR as the recommended retirement solution for its cannabis-focused clients. Combined with the continued build-out of our Safe Harbor

Institutional Infrastructure-as-a-Service model for financial institutions, we believe these investments, paired with continued expense

control, position Safe Harbor to capture the growing opportunity in front of us.”

the regulatory front, Mr. Mendez added, “the Department of Justice’s April 23 order placing state-licensed medical cannabis

on Schedule III, followed by the DEA’s expedited hearing on broader rescheduling held between June 29 and July 15, reflect continued

momentum toward a more favorable federal cannabis policy environment. While the timing and ultimate scope of further federal action remain

uncertain, we believe Safe Harbor remains well positioned to benefit as the addressable market for our compliance platform continues

to expand.”

Second

Quarter 2026 Operational Highlights

●

Board of Directors Expansion (April 2026): Appointed

Tyler Klimas and Sean Tonner to the Board of Directors effective April 22, 2026, adding deep cannabis regulatory and strategic communications

expertise. Sundie Seefried resigned from the Board on April 20, 2026.

●

Safe Harbor Retirement Plan Launch (April 2026): Introduced

the Safe Harbor Pooled Employer 401(k) Plan, a purpose-built, fully transparent and compliant pooled employer retirement plan that provides

state-legal cannabis businesses with access to institutional-quality retirement benefits.

●

Continued Deposit and Relationship Growth (Second Quarter

2026): Average deposit balances increased 6.8%, or $7.0 million, year over year to $108.4 million, and average account balances increased

6.3% year over year, reflecting the continued success of the Company’s enhanced marketing and customer-focused growth initiatives.

●

Federal Cannabis Rescheduling Developments (April to July

2026): Following the Department of Justice’s April 23, 2026 order rescheduling state-licensed medical cannabis to Schedule

III, the DEA held an expedited administrative hearing between June 29 and July 15, 2026 to consider broader rescheduling of cannabis

from Schedule I to Schedule III.

Subsequent

Operational Highlights

●

Infrastructure-as-a-Service Launch (July 2026): Introduced

the Safe Harbor Institutional Infrastructure-as-a-Service operating model, which helps financial institutions build, operate and scale

compliant cannabis banking programs.

●

Canopy HR Selects the Safe Harbor Retirement Plan (August

2026): Canopy HR, a provider of HR, compliance, benefits and administrative support for the cannabis industry serving approximately

526,000 worksite employees, selected the Safe Harbor Pooled Employer 401(k) Plan as the recommended retirement solution for its cannabis-focused

clients. Since its April 2026 launch, the plan has onboarded six new clients, including a multistate operator.

●

Capital Structure Simplification (August 2026): The

temporary reduction in the conversion price of the Company’s Series B Convertible Preferred Stock concluded on July 31, 2026, with

the conversion price reverting to $1.5528. During the reduction period, holders converted 3,198 shares of Series B Convertible Preferred

Stock into 4,920,008 shares of common stock, simplifying the Company’s capital structure.

Balance

Sheet Highlights

June 30, 2026 (Unaudited)

December 31, 2025

Cash and Cash Equivalents

$ 5,729,576

$ 6,779,040

Total Assets

$ 14,153,304

$ 17,207,024

Total Liabilities

$ 8,052,337

$ 8,971,116

Total Stockholders’ Equity

$ 6,100,967

$ 8,235,908

Second

Quarter and Year-to-Date 2026 Income Statement Highlights

Q2 2026 (Unaudited)

Q2 2025 (Unaudited)

YTD 2026 (Unaudited)

YTD 2025 (Unaudited)

Total Revenue

$ 1,934,740

$ 1,845,334

$ 3,910,179

$ 3,777,686

Total Operating Expenses

$ 2,961,094

$ 2,816,376

$ 6,699,889

$ 6,740,223

Operating Loss

$ (1,026,354 )

$ (971,042 )

$ (2,789,710 )

$ (2,962,537 )

Net Loss

$ (1,513,235 )

$ (930,715 )

$ (3,292,452 )

$ (1,757,914 )

For the Three Months Ended June 30,

2026

2025

Change ($)

Change (%)

Average deposit balance

(1)

$ 108,413,858

$ 101,463,819

$ 6,950,039

6.8 %

Trailing 14-day average account balance

(2)

$ 108,933,064

$ 100,915,015

$ 8,018,049

7.9 %

Average monthly account fees

(3)

$ 229,360

$ 276,586

$ (47,226 )

(17.1 )%

Average active accounts

(4)

766

762

0.5 %

Average account balance

(5)

$ 141,532

$ 133,155

$ 8,377

6.3 %

Average monthly fees per account

(6)

$ 299

$ 363

$ (64 )

(17.6 )%

For the Six Months Ended June 30,

2026

2025

Change ($)

Change (%)

Average deposit balance

(1)

$ 107,327,311

$ 103,756,620

$ 3,570,691

3.4 %

Trailing 14-day average account balance

(2)

$ 108,933,064

$ 100,915,015

$ 8,018,049

7.9 %

Average monthly account fees

(3)

$ 235,218

$ 285,433

$ (50,215 )

(17.6 )%

Average active accounts

(4)

765

772

(7 )

(0.9 )%

Average account balance

(5)

$ 140,358

$ 134,400

$ 5,958

4.4 %

Average monthly fees per account

(6)

$ 308

$ 370

$ (62 )

(16.8 )%

(1)

Represents

the average deposit balance over the period.

(2)

Represents

the average balance for the 14 calendar days ending on June 30th, which represents a period end balance that smooths our clients’

two-week payroll cycles.

(3)

Reported

account activity fee revenue.

(4)

Represents

the average of ending active accounts for each of the three months therein.

(5)

Refer

to the section Discussion of Results of our Operations in the Company’s Quarterly Report on form 10-Q for the three

months ended June 30, 2026 for additional discussion of trends.

(6)

Represents

the average of account activity fee revenue for the three and six months therein.

Revenue

was approximately $1.9 million for the second quarter of 2026, a 4.8% increase compared to approximately $1.8 million in the second quarter

of 2025, driven primarily by growth in loan program income. For the six months ended June 30, 2026, revenue was approximately $3.9 million,

a 3.5% increase compared to approximately $3.8 million for the same period in 2025.

Loan

program income was approximately $0.8 million for the second quarter of 2026, an increase of 50.7% compared to approximately $0.6 million

in the second quarter of 2025, and approximately $1.7 million for the six months ended June 30, 2026, an increase of 53.1% compared to

the same period in 2025. The growth reflects the continued benefit of the Second Amended Commercial Alliance Agreement with Partner Colorado

Credit Union, effective October 1, 2025, which increased the Company’s share of loan program income to up to 65% from approximately

35% under the prior agreement.

Account

fee income was approximately $0.8 million for the second quarter of 2026, a decrease of 18.4% compared to approximately $1.0 million

in the second quarter of 2025, primarily due to lower revenue from a merchant service partner.

Investment

income was approximately $0.3 million for the second quarter of 2026, consistent with the second quarter of 2025. The average investable

deposit base grew 30% to $45.8 million from $35.3 million between those periods, offset by a decline in the Federal Reserve Interest

On Reserve Balance (IORB) rate from 4.40% to 3.65%.

Average

deposit balances increased 6.8%, or $7.0 million, year over year to $108.4 million for the second quarter of 2026, and the trailing 14-day

average account balance increased 7.9% year over year to $108.9 million. Average account balances increased 6.3% year over year to approximately

$141,500. Management believes this growth reflects the continued effectiveness of the Company’s enhanced marketing and customer-focused

growth strategy in attracting new customers and deepening existing relationships.

Total

operating expenses for the second quarter of 2026 increased 5.1% to approximately $3.0 million, compared to approximately $2.8 million

in the second quarter of 2025. For the six months ended June 30, 2026, total operating expenses decreased 0.6% to approximately $6.7

million, compared to the same period in 2025. The year-over-year increase for the quarter was primarily attributable to higher general

and administrative expenses related to strategic investments described below, partially offset by a $0.4 million credit benefit from

a risk reduction on certain loans recognized during the quarter and lower compensation and employee benefits expense.

Net

loss was approximately $(1.5) million for the second quarter of 2026, compared to a net loss of approximately $(0.9) million for the

second quarter of 2025. Net loss attributable to common stockholders was approximately $(2.5) million, or $(0.36) per basic and diluted

share, compared to approximately $(0.9) million, or $(0.33) per basic and diluted share, in the second quarter of 2025. The increase

in net loss attributable to common stockholders was primarily driven by a $1.0 million non-cash deemed dividend associated with induced

conversions of Series B Convertible Preferred Stock completed during the quarter, which had no effect on the Company’s net loss,

total stockholders’ equity or cash flows from operations.

For

more information on the Company’s quarter ended June 30, 2026 financial results, please refer to our Form 10-Q filed with the U.S.

Securities and Exchange Commission and accessible at www.sec.gov.

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 $36 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 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 may introduce in the future; the impact of 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, including

the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 and its Quarterly Report on Form 10-Q for the quarter

ended June 30, 2026. 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

SHF

Holdings, Inc.

CONDENSED

CONSOLIDATED STATEMENTS OF OPERATIONS

(Unaudited)

Three Months Ended June 30,

Six Months Ended June 30,

2026

2025

2026

2025

Revenue

$ 1,934,740

$ 1,845,334

$ 3,910,179

$ 3,777,686

Operating Expenses:

Compensation and employee benefits

1,477,615

1,583,051

3,138,273

2,955,532

Professional services

792,804

712,337

1,938,613

2,211,871

Rent expense

60,971

63,185

112,403

124,191

Amortization of contract asset

129,072

258,144

Credit benefit

(386,119 )

(702,695 )

General and administrative expenses

886,751

457,803

1,955,151

1,448,629

Total operating expenses

2,961,094

2,816,376

6,699,889

6,740,223

Operating loss

(1,026,354 )

(971,042 )

(2,789,710 )

(2,962,537 )

Other (Expenses) Income:

Change in fair value of warrant liabilities

14,598

138,158

31,197

1,254,240

Change in fair value of deferred consideration

(40,960 )

120,040

Net loss on disposal of securities

(340,408 )

Issuance cost from the sale of the ELOC

(182,229 )

(210,109 )

Interest expense

(2,290 )

(115,341 )

(6,870 )

(228,127 )

Interest income

23,448

Total other (expenses) income

(486,881 )

(18,143 )

(502,742 )

1,146,153

Net loss before income tax

(1,513,235 )

(989,185 )

(3,292,452 )

(1,816,384 )

Income tax benefit

58,470

Net loss

(1,513,235 )

(930,715 )

(3,292,452 )

(1,757,914 )

Deemed dividends

(981,146 )

(1,068,758 )

Net loss attributable to common stockholders

$ (2,494,381 )

$ (930,715 )

$ (4,361,210 )

$ (1,757,914 )

Weighted average shares outstanding, basic and diluted

6,928,023

2,826,468

5,647,674

2,806,841

Basic and diluted net loss per share

$ (0.36 )

$ (0.33 )

$ (0.77 )

$ (0.63 )

SHF

Holdings, Inc.

CONDENSED

CONSOLIDATED BALANCE SHEETS

(Unaudited)

June 30, 2026

December 31, 2025

ASSETS

Current Assets:

Cash and cash equivalents

$ 5,729,576

$ 6,779,040

Accounts receivable – trade

21,010

31,376

Accounts receivable – related party

683,887

1,009,483

Prepaid expenses

532,632

862,400

Contract asset

516,283

Other current assets

3,454,688

3,000,000

Total Current Assets

10,938,076

12,198,582

Operating lease right to use asset

469,017

547,186

Investment in preferred securities

1,450,000

Prepaid expenses

233,783

414,329

Contract asset

2,323,273

2,581,417

Other assets

189,155

15,510

Total Assets

$ 14,153,304

$ 17,207,024

LIABILITIES AND STOCKHOLDERS’ EQUITY

Current Liabilities:

Accounts payable

$ 530,398

$ 189,828

Accounts payable-related party

158,725

171,365

Accrued expenses

824,169

1,310,463

Deferred revenue

15,415

Operating lease liability

189,902

181,963

Deferred consideration

3,000,000

Stand-ready guarantee liability

711,670

711,667

Financial indemnification liability

232,516

433,968

Other current liabilities

562,388

485,055

Total Current Liabilities

6,209,768

6,499,724

Stand-ready guarantee liability

889,468

1,245,416

Financial indemnification liability

512,506

657,804

Operating lease liability

432,172

528,552

Warrant liabilities

8,423

39,620

Total Liabilities

$ 8,052,337

$ 8,971,116

Commitments and Contingencies (Note 16)

Stockholders’ Equity

Convertible preferred stock, $.0001 par value, 1,250,000 shares authorized, 111 issued and outstanding on June 30, 2026, and December 31, 2025, respectively

Series B Convertible Preferred Stock, $.0001 par value, 35,000 shares authorized, 27,134 and 30,808 shares issued and outstanding as of June 30, 2026 and December 31, 2025, respectively

Class A Common Stock, $.0001 par value, 1,000,000,000 shares authorized, 12,332,955 and 4,281,523 issued and outstanding on June 30, 2026, and December 31, 2025, respectively

1,233

428

Additional paid-in capital

132,308,726

131,152,020

Accumulated deficit

(126,208,995 )

(122,916,543 )

Total Stockholders’ Equity

$ 6,100,967

$ 8,235,908

Total Liabilities and Stockholders’ Equity

$ 14,153,304

$ 17,207,024

SHF

Holdings, Inc.

CONDENSED

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

Six Months Ended June 30,

2026

2025

CASH FLOWS FROM OPERATING ACTIVITIES:

Net loss

$ (3,292,452 )

$ (1,757,914 )

Adjustments to reconcile net loss to net cash used in operating activities:

Depreciation expense

2,518

Net loss on disposal of securities

340,408

Amortization of contract asset

258,144

Amortization of prepaid consulting (Series B Preferred Stock)

84,374

Issuance cost from the sale of the ELOC

210,109

Stock compensation expense

100,431

783,762

Lease expense

(10,272 )

(2,172 )

Change in the fair value of deferred consideration

(120,040 )

Credit benefit

(702,695 )

Change in fair value of warrant

(31,197 )

(1,254,240 )

Changes in operating assets and liabilities:

Accounts receivable – trade

10,366

83,674

Accounts receivable – related party

325,596

385,168

Prepaid expenses

438,166

317,545

Accrued interest receivable

14,214

Other assets

(173,645 )

(286,672 )

Other current liabilities

(217,690 )

(58,370 )

Accounts payable

340,570

486,818

Accounts payable – related party

(12,640 )

89,309

Accrued expenses

(486,294 )

(480,811 )

Contract liabilities

(18,127 )

Deferred revenue

(15,415 )

Net cash used in operating activities

(2,834,136 )

(1,815,338 )

CASH FLOWS FROM INVESTING ACTIVITIES:

Proceeds from sale and redemption of preferred securities

654,904

Net proceeds from loan repayment

6,545

Net cash provided by investing activities

654,904

6,545

CASH FLOWS FROM FINANCING ACTIVITIES:

Proceeds from the sale of Class A common stock

1,129,768

Repayment of senior secured promissory note

(255,765 )

Net share settlement for stock compensation expense

(12,771 )

Net cash provided by (used in) financing activities

1,129,768

(268,536 )

Net decrease in cash and cash equivalents

(1,049,464 )

(2,077,329 )

Cash and cash equivalents – beginning of period

6,779,040

2,324,647

Cash and cash equivalents – end of period

$ 5,729,576

$ 247,318

Supplemental Disclosure of Non-Cash Investing and Financing Activities

Reclassification of forward purchase receivable

$ -

(4,584,221 )

Receivable for unsettled ADTX sale

$ 454,688

Forfeiture of Series B shares related to consulting contract

$ 72,148

Accrued redemption payable to Series B holders

$ 295,022

$ -

Supplemental Disclosure of Cash Flows Information

Interest paid

$ 6,870

$ 228,901

XML — IDEA: XBRL DOCUMENT

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Aug. 10, 2026

Document Type

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Document Period End Date

Aug. 10, 2026

Entity File Number

001-40524

Entity Registrant Name

SHF

Holdings, Inc.

Entity Central Index Key

0001854963

Entity Tax Identification Number

86-2409612

Entity Incorporation, State or Country Code

Entity Address, Address Line One

1526

Cole Blvd.

Entity Address, Address Line Two

Suite 250

Entity Address, City or Town

Golden

Entity Address, State or Province

Entity Address, Postal Zip Code

80401

City Area Code

303

Local Phone Number

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Class A Common Stock, $0.0001 par value per share

Title of 12(b) Security

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A Common Stock, $0.0001 par value per share

Trading Symbol

SHFS

Security Exchange Name

NASDAQ

Redeemable Warrants, each whole warrant exercisable for one share of Class A Common Stock at an exercise price of $230.00 per share

Title of 12(b) Security

Redeemable

Warrants, each whole warrant exercisable for one share of Class A Common Stock at an exercise price of $230.00 per share

Trading Symbol

SHFSW

Security Exchange Name

NASDAQ

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