Highlights of 2025 Performance

Beeline Holdings experienced substantial growth in 2025, positioning itself for accelerated revenue expansion in 2026. The company has developed a robust, technology-driven digital mortgage platform that leverages artificial intelligence and blockchain technology.

Key Milestones and Achievements

• Revenue Growth: Beeline saw an increase in revenue exceeding 100% compared to 2024.
• Financial Stability: The company concluded 2025 with over $50 million in total equity and no debt, aside from warehouse credit lines.
• Expansion of Lending Capacity: Beeline Loans expanded its warehouse lending capacity to $25 million, supporting approximately $75 million in monthly mortgage origination capacity.
• Successful Capital Raising: The firm completed a $7.4 million Registered Direct equity offering in November.
• Strategic Restructuring: Listing on the Nasdaq Capital Market through a reverse merger has enabled Beeline to concentrate on its core digital mortgage business.

Technological Innovations Driving Growth

Beeline's growth trajectory is underpinned by its proprietary AI technologies and innovative product offerings:

• AI Chat and Production Bot: This AI system demonstrated six times higher lead conversions and eight times more mortgage applications at no extra operational cost.
• "Hive" Workflow Engine: Enabled loan closing processes to be completed in as little as 14-21 days, reducing times significantly compared to industry standards.
• BeelineEquity: This blockchain-enabled product offers fractional home equity options and is quickly gaining traction in the market.

2026 Strategic Outlook

Looking ahead, Beeline (NASDAQ: BLNE) is set to capitalize on favorable market dynamics to enhance its operational capabilities. The management anticipates higher transaction volumes and improved margins going into 2026. Key factors influencing this outlook include:

• Increased home sales and cash-out refinancing due to declining mortgage rates.
• A focus on the top 20% of U.S. ZIP codes, which hold approximately $13 trillion in available home equity.
• Projections for achieving a $100 million annual revenue run rate within the next 24 months.

Commitment to Continuous Improvement and Expansion

Beeline's management team remains committed to driving growth through strategic innovations and enhanced marketing efforts. Plans include:

• Boosting marketing spend in support of anticipated increases in loan originations.
• Integrating additional AI solutions to improve operational efficiency without increasing costs.
• Collaborating with technology partners like Stellar Innovations to expand software-as-a-service (SaaS) revenue streams.