---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-25-009785"
form_type: "8-K"
ticker: "SHFS"
cik: "0001854963"
company_name: "SHF Holdings, Inc."
filed_at: "2025-03-11T23:59:59+00:00"
generated_at: "2026-05-24T23:59:05.026041+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Safe Harbor CEO Terry Mendez details PCCU debt modification, $6M cash freed, reverse split vote March 13

## Summary
- CEO Terry Mendez outlines vision to transform Safe Harbor from banking services provider into multi-faceted FinTech.
- Company surpassed $25 billion in processed cannabis-related funds through partner banks over 10 years.
- Debt modification with PCCU: two-year interest-only period, unlocking over $6M in cash that would have gone to principal amortization.
- Debt modification extends maturity to Oct 2030, maintains interest rate at 4.25%.
- Special shareholder meeting on March 13, 2025 at 4:30 p.m. ET to vote on reverse stock split for Nasdaq compliance.

## SEC filing metadata
- accession: 0001493152-25-009785
- form_type: 8-K
- ticker: SHFS
- cik: 0001854963
- company_name: SHF Holdings, Inc.
- filed_at: 2025-03-11T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1854963/000149315225009785/0001493152-25-009785-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1854963/000149315225009785/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-25-009785
- JSON: https://secwatch.observer/filing/0001493152-25-009785.json
- Plain text: https://secwatch.observer/filing/0001493152-25-009785.txt

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