DENVER—Safe Harbor, the cannabis-financial services firm that originated a decade ago inside Colorado’s Partner Colorado Credit Union, has launched what it calls the industry’s first end-to-end financial solutions platform.
Safe Harbor—now a publicly traded fintech—said the platform brings several core financial functions under one structure to address long-standing challenges for licensed operators, including inconsistent banking access, complex regulation, high taxes and limited capital options.
Platform components include:
- Bank: Continued access to compliant deposit accounts, digital tools, payment support, cash-handling coordination and detailed reporting for regulatory examinations.
- Borrow: An expanded lending program offering more flexible credit options for established operators. Safe Harbor also plans to support financial institutions that choose to resell cannabis-related loans or need help managing portfolio exposure.
- Operate: A suite of back-office and operational services such as bookkeeping, payroll, reporting, collections, cash management, merchant services, HR and insurance coordination.
- Grow: Advisory offerings including forecasting, budgeting, valuations, investor preparation, 280E guidance, and M&A support.
Safe Harbor said the services can either supplement in-house finance teams or function as an outsourced model for operators seeking consolidated support.
CEO Terry Mendez said the expansion reflects the company’s evolution from a single-purpose banking program into a broader financial-services platform designed to help operators manage day-to-day financial needs as well as long-term planning.
The rollout follows several steps the company has taken in 2025, including launching a “Fully Managed Cannabis Banking Program” for banks and credit unions that want to offer compliant cannabis accounts with reduced overhead and risk. Safe Harbor said it has processed more than $26 billion in cannabis-related transactions across 41 states and territories since its inception.
The new platform accompanies the debut of the company’s updated website, shfinancial.org.