---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-24-044754"
form_type: "8-K"
ticker: "SHFS"
cik: "0001854963"
company_name: "SHF Holdings, Inc."
filed_at: "2024-11-12T23:59:59+00:00"
generated_at: "2026-05-30T02:14:31.317029+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Safe Harbor Q3 net income turns positive at $353K; loan income up 48% YoY

## Summary
- Net income $0.35M vs loss $0.7M YoY; revenue $3.5M down 19% from $4.3M.
- Loan interest income up 48% to $1.3M; nine-month loan income up 143.5%.
- Operating expenses down 13% to $3.3M; adjusted EBITDA down 27.4% to $0.76M.
- Subsequent to Q3: originated $1.07M secured credit facility (first tranche of $5M commitment).
- Cash $5.9M at Sept 30, 2024 vs $4.9M at Dec 31, 2023.

## SEC filing metadata
- accession: 0001493152-24-044754
- form_type: 8-K
- ticker: SHFS
- cik: 0001854963
- company_name: SHF Holdings, Inc.
- filed_at: 2024-11-12T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1854963/000149315224044754/0001493152-24-044754-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1854963/000149315224044754/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-24-044754
- JSON: https://secwatch.observer/filing/0001493152-24-044754.json
- Plain text: https://secwatch.observer/filing/0001493152-24-044754.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.