Beeline Holdings, Inc. (NASDAQ: BLNE) Reports Record Lock Day Following Fed Rate Cut, Expands Blockchain-Based Home Equity Platform

• Beeline Holdings recently announced that it locked 21 loans worth nearly $8 million on the same day the Federal Reserve announced its second consecutive 25-basis-point rate cut.
• The company also announced the launching of BeelineEquity, a blockchain-based fractional equity platform that gives homeowners debt-free access to their property value.
• Management will cover these and other accomplishments when it hosts a Q3 2025 stakeholder update call on November 10, led by CEO Nick Liuzza and CFO Chris Moe.

Beeline Holdings (NASDAQ: BLNE), a fast-growing digital mortgage platform that redefines the path to homeownership, reported record performance at the end of October 2025, as the Federal Reserve announced its second consecutive quarter-point rate cut. On October 29, the company locked 21 loans with a total value of just under $8 million, setting a new high in its core revenue indicator, a measure that typically translates into realized revenue within 30 to 45 days (https://ibn.fm/YRqFs).

The results signal that Beeline, which announced in September that it is debt-free, is now gaining traction after enduring the most difficult housing market in decades. The company expects to reach cash-flow positivity in early 2026, supported by a scalable AI-driven lending infrastructure and a growing base of non-traditional borrowers.

“Our key performance indicators are quickly improving which we knew would happen as the market normalized,” said Nick Liuzza, co-founder and CEO of Beeline. “We fought through the worst real estate market in 30 years to put Beeline in a position to capitalize when conditions normalized and here we are as the industry headwinds are turning into tailwinds. While it was a good day, it’s only the beginning of a strong run.”

Liuzza also added: “Beeline is serving two large demographics:  For millennials as a mortgage platform designed for the Gig economy, and for boomers as an equity product in areas where they hold $10T of equity.”

Beeline’s record day coincides with what many analysts view as the start of a more favorable lending cycle. The Fed’s back-to-back rate cuts have already led to modest drops in mortgage rates, with refinancing activity and purchase inquiries beginning to rise.

Beeline’s business model was designed for moments like this. Its AI-enabled proprietary platform can scale loan processing volumes rapidly while maintaining operational efficiency. By automating much of the underwriting and documentation process, Beeline can approve loans within minutes and close them in as few as 14 to 21 days, less than half the industry average. The platform’s design also caters to a changing borrower demographic. According to National Mortgage Professional, only 26.1% of Gen Z and 54.9% of Millennials owned homes in 2024, reflecting limited access to affordable mortgages (https://ibn.fm/M3J7F). Beeline’s tools, including its AI decision engine and chatbot “Bob,” aim to close that gap, giving buyers near-instant certainty about mortgage eligibility.

In addition, a significant share of Beeline’s clients are real estate investors, particularly among younger buyers seeking property investment opportunities as an entry point into wealth building.

The record loan announcement came shortly after Beeline declared a milestone that expands its reach beyond traditional lending. Through its subsidiary Beeline Loans, Inc., the company completed its first round of blockchain-recorded equity transactions under its new BeelineEquity product (https://ibn.fm/Owvx8).

BeelineEquity offers homeowners a debt-free way to access liquidity by selling a fractional share of their home’s equity instead of taking out a loan. The structure eliminates monthly payments and interest, with repayment triggered only upon the sale or transfer of the property. Each transaction is securely recorded on the blockchain, ensuring transparency and immutability.

The company finalized five equity transactions during the pilot phase and plans to close an additional 30 by the end of 2025, citing strong homeowner demand for alternatives to traditional refinancing and home equity loans.

“Homeowners shouldn’t have to borrow against themselves just to access the value they’ve already built,” said Liuzza. “By putting home equity on blockchain rails, we’re creating a smarter, more transparent financial alternative — one that’s free from interest rate swings and credit friction.”

Beeline estimates that its new product addresses a vast, underutilized market: roughly $15 trillion in inaccessible U.S. home equity, much of it concentrated among Baby Boomers. Capturing even 10 basis points of that market could generate over $500 million in revenue, according to company projections.

Co-founder and COO Jess Kennedy said the launch of BeelineEquity gives the company two complementary revenue streams: “We’re offering more non-QM products than many top lenders and large banks to complement our conventional business and with the launch of our unique equity product, we now have two powerful revenue streams gaining momentum at the same time — a rare and exciting opportunity.”

Beeline’s recent performance and product innovation come less than a year after completing its October 2024 merger with Eastside Distilling, a move that redefined the company as a next-generation fintech mortgage originator. Since then, Beeline has built a vertically integrated lending and title platform that reduces friction, shortens closing timelines, and improves borrower experience. The company’s proprietary Hive production engine and automation stack enable efficient processing of multiple product types, from conventional loans to non-qualified mortgage (non-QM) products and investment property loans.

Following its record October performance, Beeline also confirmed plans to host its Q3 2025 stakeholder update call on November 10 at 5:00 PM ET (https://ibn.fm/rG2iV). CEO Nick Liuzza and CFO Chris Moe will discuss quarterly financials and provide updates on growth initiatives, lending performance, and the progress of BeelineEquity.

For more information, visit the company’s website at www.MakeABeeline.com.

NOTE TO INVESTORS: The latest news and updates relating to BLNE are available in the company’s newsroom at https://ibn.fm/BLNE

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