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About Safe Harbor Financial

Your Cannabis Banking Partner

We believe all cannabis businesses should have access to stable, secure, and transparent financial services. Built on modern cloud-hosted technology by banking and compliance experts, Safe Harbor’s digital-first commercial banking solutions make cannabis banking easy.

Our Mission

To empower the cannabis industry with innovative financial services, giving cannabis businesses the freedom to grow and succeed while expanding the access of cannabis within their communities.


Our Vision

Safe Harbor Financial is a seasoned navigator and pioneer of innovation, leading the way and fostering smooth sailing through the complex sea of cannabis banking, all while upholding trust and transparency for all clients and partner financial institutions.

Our Story

Safe Harbor Financial was conceived in 2015 as a solution to a major problem that plagued the nascent legalized cannabis industry in Colorado — access to reliable and compliant financial services.

Once SHF addressed the local Colorado issues surrounding lack of banking and industry participants became banked, clients started seeking out-of-state licenses — leading SHF to address the same issues on a national level.

As a result, Safe Harbor is now offering banking, payments, and lending services to licensed and ancillary cannabis businesses nationwide.

Safe Harbor, realizing the funds from the cannabis industry were better banked than unbanked, ventured forward to do the right thing for everyone, banking the deposits under Partner Colorado Credit Union as a DBA up until 2021.

Cannabis-related funds were already finding their way into the financial system one way or another via hidden, misrepresented accounts and criminal banking behaviors similar to money launderers.

After great research, it was obvious that every agency wanted to have accountability and transparency from the industry, but legislation was not supportive of such.

Safe Harbor determined that the right thing to do was to protect the financial system from criminal activity and provide legitimacy to the legal operators at the same time.

A high-level compliance program was created at the highest level of the organization, using decades of regulatory experience to create a safe and sound program that would accomplish industry accountability and protect the financial system.

The program encompassed all types of cannabis, hemp, CBD and ancillary service providing entities to include cultivators, retailers, manufacturers, payroll companies, payment processors and professionals serving and taking cash from the industry.

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Navigating Steady Success

Since inception, Safe Harbor has processed more than  $12 billion in cannabis related funds into the financial system with the highest level of monitoring and validation. SHF has successfully completed 16 state and federal exams without interruption to services.

The Safe Harbor portfolio is composed of nearly 600 accounts managed by 13 private bankers. The portfolio was built in a methodical manner to ensure continuity of service while under great regulatory scrutiny. Annual deposits/cash flow in 2021 were approximately $4 billion.

Safe Harbor has enjoyed a great track record of securing and retaining clients with its existing value proposition.

In late 2021, Safe Harbor Financial acquired fintech Abaca, a comprehensive cannabis banking and financial platform. This strategic integration allowed us to bring even greater value to our customers through proprietary technology and proven partnerships.

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Shaping the Cannabis Community

Under the leadership of Sundie Seefried, Safe Harbor helped build the cannabis banking industry from the ground up. We perceived a need in the cannabis business community, which was contributing so much to communities and getting very little in return.

At the very least, we said, let us help them handle their money safely and do the things that all businesses need to do: pay suppliers, pay employees, and invest in future growth.

Our cannabis banking solution uses the best of both automation and human personalization. We have unique compliance software that facilitates meeting legal requirements for documentation of income. Our software is dynamic, continuing to improve so we can constantly offer new services and benefits to our clients.

But our system is also personal. We have highly trained and experienced advisors to help your business bank legally and safely. Your advisor gets to know you, and you’ll get to know them. You’ll have their direct cell phone number to reach them whenever you have banking needs or urgent questions.

We help businesses thrive one-on-one, and we also support the entire cannabis business community. The Safe Harbor team has been long-time advocates for cannabis businesses, helping support changes that improve the profitability, safety and respect for cannabis businesses. Our team has led education efforts for legislators and worked with attorneys general in multiple states to help legal businesses enjoy their legal profits. We also support cannabis-related charities.

Don’t bank with a profiteer who sees you as just another high-risk business. Instead, work with a true cannabis-friendly financial service provider that believes in what you do and respects your business. Please call 303-341-3435 or use our online form to contact us today.

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Let our team bring your vision to life

You are at the forefront of the dynamic, growing and exciting cannabis industry. You have been advancing and cementing your position. You’ve jumped all the hurdles and are looking forward to reaping the rewards you have earned.

But lately, you may have experienced some banking headaches which have left you feeling stressed and frustrated. These headaches can come in many different forms:

  • Increased banking fees
  • Unresponsive customer service
  • Unavailable financing
  • Poor communications
  • Compliance issues
  • Lack of multistate banking options
  • or maybe they just do not understand and support the industry

After dealing with these headaches, it’s clear that you need a better banking partner, someone who will move your business forward. This is where Safe Harbor Financial shines. With more than seven years of experience and leadership providing dedicated cannabis banking services, we focus on elevating you and the industry.

We’re driven by our purpose To Enthusiastically Forge Exciting New Paths for Others to Thrive. Our crew’s focus is 100% on cannabis financial services. We innovate each day to create fresh opportunities for our clients and strengthen their businesses to help them thrive. As a leader in shaping the cannabis industry, we provide the financial services to address all your needs today and into the future.

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