Company: BLNE
Filing Date: 2025-11-14
Form Type: 10-Q
Source: 0001493152-25-023462
Chunk: 63

Company: Beeline Holdings, Inc.
Filing Date: 2025-11-14
Form: 10-Q
Item: Part I, Item 1
Chunk 63
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, and that even a small monthly energy jump can push the headline number upward. Although the monthly
gain in shelter (owners’ equivalent rent) was modest in September (just 0.1 %), a positive sign, the annual rate remains
elevated and still contributes a large weight to the total index. The fact that core inflation (excluding food/energy) is still at
~3.0% means underlying inflation pressures are not yet fully resolved. Further, the full impact of the imposition of tariffs by the
U.S. and foreign countries remains unknown, and future developments in tariffs and other geopolitical activity present further
uncertainty. Because of this mixed picture, the Federal Reserve is likely to remain cautious. While the headline 3.0% rate is far
better than the highs of 2022–23, it is still above the Federal Reserve’s longer-run 2% target.

Beeline
Labs

In
July 2025, the Company’s subsidiary, Beeline Labs, launched BlinkQC, a SaaS platform designed to automate pre-close quality control
(“QC”) reviews for mortgage loan files. Beeline Loans uses BlinkQC in its own operation for its pre-close QC. Later this
year, Beeline Labs plans to license BlinkQC as SaaS to other mortgage companies. BlinkQC uses artificial intelligence to ingest loan
document packages, extract and validate data, apply customizable rule sets, and generate compliance reports. Critical data points are
being collected from the Beeline Labs launch and integrations are set to start in early December opening BlinkQC up to over 1,000 Banks
and Independent Mortgage Banks. The Beeline Labs data and integrations are essential for a broader launch.

The
initial release supports conventional loan packages and is offered on a flat rate per package. Based on current cost estimates, the product
is expected to achieve gross margins of approximately 50%. Future enhancements, including FHA/VA loan support and integrations with loan
origination systems, are in development.

Management
believes BlinkQC will improve QC efficiency for mortgage lenders and represents a potential source of incremental revenue for the Company.

36

BeelineEQUITY

On
June 25, 2025, Beeline Title closed, what it believes to be one of the first-ever fractional sale of home real estate transactions
funded through the sale of a cryptocurrency with a related party partner who funds these transactions for us through the sale of
a crypto token which is backed by real property.