Company: BLNE
Filing Date: 2025-11-14
Form Type: 10-Q
Source: 0001493152-25-023462
Chunk: 143

Company: Beeline Holdings, Inc.
Filing Date: 2025-11-14
Form: 10-Q
Item: Part I, Item 8
Chunk 143
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 and SaaS (B2B) growth potential. Additionally, the Company assesses customer acquisition costs and profitability per loan to optimize
financial performance. These key indicators help gauge progress toward our strategic and long-term growth objectives.

Recent
Developments

Business
Trends

From
January through September 2025, inflation had been steadily moderating from earlier high levels, aided by improved supply chains,
softer commodity and energy prices, and some cooling in housing-related costs. But by the late summer and into September, the pace
of disinflation slowed and even reversed slightly: the jump to a 3.0% annual rate in September signals that inflation remains more
persistent than many hoped. Early in the year, the decline was fairly smooth: energy-led relief, moderate food inflation, and some
relief in goods prices especially as supply chains stabilized. However, services inflation, especially in housing (shelter), medical
care, and insurance, remained resilient. The rebound in gasoline and energy prices in September (month-over-month) was a reminder
that commodity risk remains, 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