---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-26-005705"
form_type: "8-K"
ticker: "SHFS"
cik: "0001854963"
company_name: "SHF Holdings, Inc."
filed_at: "2026-02-09T23:59:59+00:00"
generated_at: "2026-05-16T03:56:17.170229+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Safe Harbor Financial extends PCCU alliance; expects $9M revenue boost through 2031

## Summary
- Amended Commercial Alliance Agreement extends term through Dec 2031, with automatic two-year renewals.
- Safe Harbor receives up to 65% of loan interest income (was ~37%), driving ~$9M incremental revenue over term.
- Asset hosting fee cut ~23% ($250K/yr), yielding $1.5M total cost savings over 6.25-year term.
- Retroactive payment of ~$400K from PCCU effective Oct 1, 2025.
- No loan defaults to date; Safe Harbor indemnifies up to 65% of net losses on defaulted loans.

## SEC filing metadata
- accession: 0001493152-26-005705
- form_type: 8-K
- ticker: SHFS
- cik: 0001854963
- company_name: SHF Holdings, Inc.
- filed_at: 2026-02-09T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 1.01, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1854963/000149315226005705/0001493152-26-005705-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1854963/000149315226005705/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-005705
- JSON: https://secwatch.observer/filing/0001493152-26-005705.json
- Plain text: https://secwatch.observer/filing/0001493152-26-005705.txt

## Key facts
- Material Agreements
  SHF Holdings, Inc. entered into Second Amended and Restated Commercial Alliance Agreement with Partner Colorado Credit Union (effective 2026-02-04).
  - Action: entry
  - Counterparty: Partner Colorado Credit Union
  - Effective: 2026-02-04
  source text: On February 4, 2026, SHF Holdings, Inc. (the “Company”) and Partner Colorado Credit Union (“PCCU”) entered into that certain Second Amended and Restated Commercial Alliance Agreement (the “Second Amended CAA”), effective as of October 1, 2025, which extends the term set forth in the Amended and Restated Commercial Alliance Agreement, dated December 30, 2024, by and between the Company and PCCU (the “First Amended CAA”), through and including December 31, 2031, with an automatic renewal for subsequent periods of two years each
  evidence_url: https://www.sec.gov/Archives/edgar/data/1854963/000149315226005705/0001493152-26-005705-index.htm

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