---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-25-004593"
form_type: "8-K"
ticker: "SHFS"
cik: "0001854963"
company_name: "SHF Holdings, Inc."
filed_at: "2025-02-03T23:59:59+00:00"
generated_at: "2026-05-27T04:07:47.940206+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Safe Harbor Financial defers principal payments on $14.5M PCCU note for Feb-Mar 2025

## Summary
- Letter agreement with PCCU pauses principal payments for February and March 2025; interest continues.
- Deferral improves liquidity by approximately $510,000; Company plans growth investments.
- Parties discussing permanent modification of the 5-year note (original $14.5M at 4.25%).
- No assurance that a final modification will be reached; no other changes to note terms.

## SEC filing metadata
- accession: 0001493152-25-004593
- form_type: 8-K
- ticker: SHFS
- cik: 0001854963
- company_name: SHF Holdings, Inc.
- filed_at: 2025-02-03T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 1.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1854963/000149315225004593/0001493152-25-004593-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1854963/000149315225004593/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-25-004593
- JSON: https://secwatch.observer/filing/0001493152-25-004593.json
- Plain text: https://secwatch.observer/filing/0001493152-25-004593.txt

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