Company: BLNE
Filing Date: 2025-11-12
Form Type: 424B5
Source: 0001493152-25-021786
Chunk: 12

Company: Beeline Holdings, Inc.
Filing Date: 2025-11-12
Form: 424B5
Chunk 12
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 the rate of sales of existing homes in the United States slowed and prices declined relative to prior periods. The effect of the decreased volume and growth of existing home sales operates to reduce loan volume, margins, revenue, and profitability in the mortgage origination industry, including in our business which in 2024 saw 23.4% of its mortgage loan closings come from home sales. We do not have available statistics on what percent of our revenues came from home sales. Further, in 2025 consumer sentiment has experienced gradual declines as increased uncertainty and concern surrounding inflation, interest rates, a deteriorating labor market, tariffs and geopolitical turmoil and the threat of a recession influence consumers’ behavior and opinions concerning the economy, capital markets and spending habits.

If an adverse trend in the sales of existing homes and/or consumer sentiment continues or intensifies, our loan originations could fall which will negatively impact Beeline’s business operations, operating results and financial condition.

The ongoing federal government shutdown could have a material adverse effect on our business, financial condition, and results of operations.

As of November 10, 2025, the U.S. federal government shutdown is ongoing, with funding for some government operations having expired as of October 1, 2025. While the full impact cannot be determined, a shutdown could affect us in several ways, including, but not limited to, the following:

| ● | The                                                                                                                                      
 shutdown could reduce or delay services from federal agencies that are critical to our business, including the Internal Revenue Service. 
 Delays in income verification, social security number verification, and regulatory reviews, approvals, or inspections could disrupt      
 our operations or time-sensitive transactions.                                                                                           |

| ● | Critical                                                                                                                            
 government functions could be affected, causing delays that impact the broader market. For instance, the Bureau of Labor Statistics 
 and other agencies might pause the release of key economic indicators, which could increase market volatility.                      |

| ● | Historically,                                                                                                                       
 government shutdowns have reduced consumer confidence and spending, which could have a negative impact on our revenue, particularly 
 if our services are impacted by a fall or delay in discretionary spending.                                                          |

The length and severity of any potential shutdown are uncertain, making it difficult to predict the full impact on our business.

| S-11 |

Our management might apply the net proceeds from the offering in ways with which you do not agree and in ways that may impair the value of your investment.

We currently intend to use the net proceeds from the offering for working capital and general corporate purposes