Core Insights - Safe Harbor has launched the cannabis industry's first comprehensive financial solutions platform aimed at improving access to capital, operational efficiency, and long-term stability for cannabis operators [1][2] Group 1: Financial Solutions Overview - The platform integrates banking, borrowing, operational support, and growth services tailored for the cannabis industry [1][2] - Safe Harbor continues to provide compliant financial access, including secure accounts, digital tools, payment support, and detailed reporting for audit and regulatory needs [3] - The lending program has been expanded to offer more flexible options for established cannabis operators, facilitating greater capital flow into the sector [4] Group 2: Operational and Advisory Services - Safe Harbor now provides operational support services such as bookkeeping, payroll, cash management, and HR, among others [5] - The platform includes strategic finance and advisory services, including fractional CFO support, budgeting, valuations, and M&A support [5][6] - These solutions allow cannabis businesses to strengthen their finance teams or utilize a fully outsourced financial solution for better clarity and control [6] Group 3: Company Evolution and Market Position - Under CEO Terry Mendez, Safe Harbor has transformed from a single-service provider to a multi-service financial platform, aiming to become the "SoFi of cannabis" [7] - The company has achieved significant milestones in 2025, including the launch of the first Fully Managed Cannabis Banking Program for financial institutions [7] - Safe Harbor has facilitated over $26 billion in cannabis-related transactions across 41 states and territories, reinforcing its position as a leading financial partner in the cannabis industry [10]

Core Viewpoint - Safe Harbor has launched the cannabis industry's first comprehensive financial solutions platform aimed at enhancing banking, borrowing, operational support, and growth for cannabis operators [1][2][7] Group 1: Financial Solutions Overview - The platform integrates key financial functions under one brand, addressing the broader financial health needs of cannabis operators who face complex regulations and limited access to financial support [2][4] - Safe Harbor continues to provide compliant banking access, including secure accounts, digital tools, payment support, and detailed reporting for regulatory needs [3][10] Group 2: Borrowing and Lending - The lending program has been expanded to offer more flexible options for established cannabis operators, facilitating greater capital flow into the sector [4][6] - Safe Harbor will assist financial institutions in reselling cannabis-related loans and managing portfolio risk [4] Group 3: Operational Support - The platform now includes operational and financial support services such as bookkeeping, payroll, cash management, and HR services tailored for the cannabis industry [5][6] - Strategic finance and advisory services are also offered, including fractional CFO support, budgeting, and M&A support [5][6] Group 4: Company Evolution and Milestones - Under CEO Terry Mendez, Safe Harbor has transformed from a single-service provider to a multi-service financial platform, aiming to become the "SoFi of cannabis" [7] - The company has achieved significant milestones in 2025, including the launch of the Fully Managed Cannabis Banking Program for financial institutions [7][10] - Safe Harbor has facilitated over $26 billion in cannabis-related transactions across 41 states and territories [9][10]

Core Insights - Safe Harbor Financial, a fintech platform for the cannabis industry, is set to present at the Trickle Research Microcap Conference on November 13, 2025, highlighting its achievements and growth strategy under CEO Terry Mendez [1][2][3] Company Achievements - Safe Harbor has resolved near-term liquidity issues by completing a $24 million recapitalization, which eliminated $19 million in debt [6] - As of September 30, 2025, the company reported $6.8 million in cash, sufficient to fund operations for the next 12 months [6] - The average monthly deposit balances increased to $108 million, reflecting a 6% quarter-over-quarter growth and a 3% year-over-year decline [6] - The number of average active accounts rose by 2% quarter-over-quarter and 4% year-over-year, reaching 774 accounts [6] - Safe Harbor generated a net income of $179,508, or $0.06 per diluted share, for the three months ended September 30, 2025 [6] Strategic Direction - CEO Terry Mendez will discuss Safe Harbor's new growth strategy and the impact of regulatory changes on the cannabis financial services landscape [3][4] - The company aims to scale its platform and expand services to deliver long-term value across the cannabis finance ecosystem [4]

Company Overview - Chicago Atlantic has closed over $2.7 billion in loans since its platform inception[9, 10] - The company has closed over 95 cannabis loans across its platform[9] - The outstanding loan principal is approximately $407 million[9] - The gross portfolio yield is 16.9%[9] Portfolio Diversification - The top 10 loans account for 61.5% of the principal outstanding[35] - Fixed-rate loans constitute 41.5% of the portfolio, while floating-rate loans make up 58.5%[35] - Loans with Retail/Industrial collateral represent 35.3% of the portfolio[39] Market and Financial Performance - REFI has outperformed the median and average total return of mortgage REITs by approximately 51% and 55%, respectively[33] - The U S cannabis industry is estimated to be $35 billion in top-line retail revenue in 2025 and is projected to grow to $69 billion by 2031[60] - As of March 31, 2025, loans held for investment at carrying value, net is $396,181,421[81] - For the three months ended March 31, 2025, net income was $10,041,312, or $0.48 per basic common share[85]