Form 8-K - Groowe Newsroom

8-K — SHF Holdings, Inc.

Accession: 0001493152-26-018208

Filed: 2026-04-21

Period: 2026-04-21

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 21, 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 21, 2026, SHF Holdings, Inc. issued a press release announcing the launch of the Safe Harbor Retirement Plan, a pooled employer

401(k) plan designed specifically for state-legal cannabis businesses and the companies that serve them.

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 21, 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 21, 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 Introduces 401(k) Plan Built for Cannabis Employers

New

Safe Harbor Retirement Plan Helps Enable Cannabis Operators to Offer Stable, Compliant Retirement Benefits with Greater Continuity for

Employees

DENVER

(April 21, 2026) — SHF Holdings, Inc., d/b/a Safe Harbor (the “Company” or “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 launch of the Safe Harbor Retirement Plan, a pooled employer 401(k) plan designed specifically for state-legal

cannabis businesses and the companies that serve them.

The

plan provides access to a broad 401(k) investment portfolio and utilizes collective investment trusts structured to support participation

by cannabis-related businesses within a framework that is intended to be compliant with applicable laws.

Solving

a Longstanding Market Gap

Many

traditional 401(k) providers are not structured to support cannabis-related businesses, creating uncertainty for employers and employees

alike.

some cases, cannabis businesses have experienced sudden plan terminations or service disruptions with limited notice. In certain situations,

this can result in early withdrawal penalties and tax implications for participants, depending on individual circumstances and applicable

regulations.

The

Safe Harbor Retirement Plan is designed to provide a more durable path forward for the employees and employers impacted by these issues.

The plan is structured to support cannabis-related businesses directly, helping reduce the risk of disruption and supporting long-term

continuity for employers and employees.

Expanding

The Safe Harbor Financial Solutions Platform

The

Retirement Plan launch represents an important step in Safe Harbor’s continued expansion into a broader financial solutions platform

for the cannabis industry.

Safe

Harbor has built infrastructure to support the full employee financial lifecycle for cannabis operators:

Employee

Banking - Safe Harbor offers compliant banking solutions that give cannabis employees access to stable personal banking services.

Payroll

& HR - Through the acquisition of 420 IT Solutions and partnerships with cannabis-focused payroll providers, Safe Harbor supports

core workforce operations.

Retirement

- The Safe Harbor Retirement Plan adds long-term savings infrastructure, extending support beyond day-to-day operations into financial

stability for employees.

The

plan is designed to support a wide range of participants. Operators with both cannabis and non-cannabis businesses can enroll employees

across entities under a single plan. Companies that serve or invest in cannabis businesses may also participate, expanding access to

compliant retirement solutions.

The

first adopting member is our own company, Safe Harbor.

“For

years, cannabis operators have tried to offer retirement benefits to their employees while navigating uncertainty around plan stability,”

said Terry Mendez, CEO of Safe Harbor. “This solution is designed to provide a more consistent path forward. It reflects the same

approach we’ve taken across banking and financial services, building infrastructure that aligns with the realities of this industry

and supports the people behind it.”

This

offering extends Safe Harbor’s broader platform of financial solutions for the cannabis industry, supporting how businesses bank,

borrow, operate, and grow.

For

multi-state operators, single-state operators, cultivators, manufacturers, and retailers managing employee bases across multiple jurisdictions,

access to compliant retirement infrastructure is becoming an increasingly important part of workforce support and retention.

Additional

information is available at https://shfinancial.org/retirement-solutions-401k.

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 facilitated more than $35.4 billion in cannabis-related transactions 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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