Company: BLNE
Filing Date: 2025-01-14
Form Type: 424B3
Source: 0001493152-25-002137
Chunk: 62

Company: Beeline Holdings, Inc.
Filing Date: 2025-01-14
Form: 424B3
Chunk 62
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: After closing, loans are sold to aggregators who handle all servicing.                  |
| ● | Beeline                                                                                                
 also offers title and closing services. Beeline’s mortgage services and title operations               
 are tightly integrated, providing a seamless customer experience. Beeline acts as the agent            
 in its title and closing services business, selling title insurance policies for some of               
 the largest title underwriters, including First American National Title Insurance Company,             
 Fidelity National Title Insurance Company and Westcor Land Insurance Company.                          |

| 55 |

Sources of Revenue

Beeline generates revenue from three key sources, listed below. The numbers reflect the approximate percentages of Beeline’s 2024 revenue through October 31, 2024:

| ● | Net                                                                                             
 gain on sale of loans: Once Beeline closes on a loan, it then sells that loan to an aggregator  
 at a predetermined price. The proceeds are recorded as a gain on sale of loans. This source     
 accounted for approximately 66% of revenue.                                                     |
| ● | Title                                                                                           
 fees: Fees associated with closing a mortgage for a lender, which averages approximately        
 $1,700 per closed file. Currently Beeline Title handles the title and escrow services for       
 60% of the mortgages that Beeline originates while also offering its title and closing services 
 to other lenders. This source accounted for approximately 20% of revenue.                       |
| ● | Loan                                                                                            
 origination fees: This is a fee charged to a borrower to offset the costs of origination.       
 This source accounted for approximately 15% of revenue.                                         |

Beginning in 2025, Beeline expects to start licensing its proprietary software to other mortgage lenders, which would create recurring revenue if it is successful in implementing this goal.

Marketing

Unlike major national, regional and local banks, Beeline generates new customers solely from online advertising. Beeline has no local branded offices appealing to consumers in contrast to banks which offer deposit services and check cashing at local offices. As stated above, Google advertising has accounted for more than 85% of new customers in 2024; one other source, FreeRateUpdate.com, generated more than 10% of Beeline’s new customers during this same period.

Beeline’s marketing strategy plays a pivotal role in propelling its growth, focusing on key areas to drive customer acquisition, optimize return on investment, and enhance customer satisfaction. Through targeted campaigns, Beeline attracts new customers and explores untapped product and audience segments. The marketing team’s deep analysis