Safe Harbor Financial is a compliance and financial services platform that enables financial institutions to provide banking, lending, and cash management services to cannabis-related businesses across multiple states, without itself holding customer deposits or loans. The company generates revenue through three primary channels: deposit services (onboarding and monthly fees), lending program income (a share of loan origination and loss indemnification), and compliance licensing for its proprietary technology platform. Its customer base consists of financial institution partners—primarily a major regional credit union—and cannabis-related businesses including cultivators, processors, dispensaries, and multi-state operators across the expanding legal cannabis market.