{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-23-009734","form_type":"8-K","ticker":"SHFS","cik":"0001854963","company_name":"SHF Holdings, Inc.","filed_at":"2023-03-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.179649+00:00","generated_at":"2026-06-17T09:43:33.791416+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"SHF Holdings reports preliminary FY2022 revenue up 34% to $9.4M, net loss $35.1M; settles $64.7M debt","bullets":["Revenue $9.4M (+34% YoY); active accounts 1,040 (+82% vs 572 in 2021).","Net loss $35.1M vs net income $3.2M in 2021, driven by loss on financial instruments from business combination.","Q4 net loss $37.0M vs income $718K; operating expense $7.4M vs $1.0M.","Agreement to settle $64.7M payable to Partner Colorado Credit Union with $14.5M note and 11.2M shares.","Originated $15.8M in loans in 2022 vs $4.3M in 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-23-009734","json":"https://secwatch.observer/filing/0001493152-23-009734.json","markdown":"https://secwatch.observer/filing/0001493152-23-009734.md","text":"https://secwatch.observer/filing/0001493152-23-009734.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1854963/000149315223009734/0001493152-23-009734-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1854963/000149315223009734/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T09:43:33.791416+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"28a197c04cce92019e9303bb0bccc96f6c5c71e5","claim":"SHF Holdings, Inc. reported the quarter ended December 31, 2022 results: revenue $3.6 million, net income $37.0 million.","evidence_excerpt":"For the quarter ended December 31, 2022, total revenue increased to $3.6 million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1854963/000149315223009734/0001493152-23-009734-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Revenue","value":"$3.6 million"},{"label":"Net income","value":"$37.0 million"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"},{"claim_id":"ba7869e015885099270b14539881544589874e03","claim":"SHF Holdings, Inc. reported full year ended December 31, 2022 results: revenue $9.4 million, net income $35.1 million.","evidence_excerpt":"() --- EX-99.1 2 ex99-1.htm Exhibit 99.1 Safe Harbor Financial Announces Preliminary Fourth Quarter and Full Year 2022 Financial Results - Full year revenue increased 34% to $9.4 million, number of active accounts increased 82% to 1040 compared to 2021 - - Recent agreement to resolve $64.7 million in payment obligations significantly strengthens balance sheet,","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1854963/000149315223009734/0001493152-23-009734-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"full year ended December 31, 2022"},{"label":"Revenue","value":"$9.4 million"},{"label":"Net income","value":"$35.1 million"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}