SHF Holdings, Inc., operating as Safe Harbor , has introduced the cannabis industry’s first fully integrated financial solutions platform a major milestone for an industry that has long struggled with limited access to banking and capital. Known for pioneering the country’s first compliant cannabis banking program a decade ago, Safe Harbor is now broadening its mission to help cannabis and hemp operators not just bank safely, but also borrow, manage operations, and scale with financial confidence.
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For years, cannabis businesses have operated in an environment filled with policy uncertainty, regulatory hurdles, heavy tax burdens, and a shortage of knowledgeable financial partners. Safe Harbor’s new platform is designed to close those gaps by bringing all core financial functions under one roof. The goal is simple: provide operators with the clarity and support they need to run stronger, healthier businesses.
The platform deepens Safe Harbor’s long-standing banking services, giving operators continued access to compliant accounts, digital tools, payment support, cash logistics, and detailed reporting essentials for audit readiness and regulatory compliance. But it goes further by expanding into lending, offering more flexible capital options for established operators and helping financial institutions resell cannabis-related loans. This added liquidity could be a game changer for a capital-starved industry.
Safe Harbor is also stepping into day-to-day operational support, offering help with bookkeeping, payroll, merchant services, HR, insurance, reporting, collections, and cash management. These services are meant to lighten the operational burden for companies that are often stretched thin navigating compliance and growth simultaneously.
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To round out its offering, the platform includes strategic advisory support from fractional CFO services and performance forecasting to valuations, investor preparation, entity structuring, and M&A guidance. For many cannabis businesses, this type of financial leadership has historically been out of reach. With Safe Harbor’s help, companies can now strengthen their internal teams or even outsource entire financial functions when needed.
“This is a transformational moment for Safe Harbor and for the cannabis industry,” said Terry Mendez, CEO of Safe Harbor. “We’ve gone from being a single-service provider to a full financial platform that supports both daily operations and long-term planning. Our vision is to become the SoFi of cannabis — a trusted partner that helps operators make smarter decisions with better infrastructure behind them.”
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The launch follows a period of rapid momentum for Safe Harbor. Earlier this year, the company introduced the industry’s first Fully Managed Cannabis Banking Program for financial institutions, giving banks and credit unions a turnkey option for entering the cannabis sector responsibly. Under Mendez’s leadership, Safe Harbor has strengthened its board, grown its senior team, secured additional capital, and significantly reduced operating expenses — paving the way for sustained leadership in the evolving cannabis financial ecosystem.
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