olivLaw · US equity research
Beeline Holdings, Inc. BLNE
Mortgage Bankers & Loan Correspondents · SIC 6162 · Vertical: Nondepository credit (SIC 616x)
Beeline Holdings is a fintech mortgage lender in the United States that combines digital home loans, title services and a fractional home equity platform. The company is in a transition phase, with rising revenue and a proposed combination with TYTL, but continues to report net losses and needs additional capital.
At the close of 04 Nov 2026, Beeline Holdings, Inc. (BLNE) stock was 0.69 USD (−0.72% on the day), with market capitalisation 22.8 m USD, beta 1.06, 52-week range 0.63–3.59 USD. Latest reported quarter (Q2 2026): revenue of 2.6 m USD (+56.6% YoY), net income of -4.0 m USD, diluted EPS -0.13 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 43.5
- weak (30–45)
- Bollinger (20, 2)
- 0.62 – 0.76
- in the upper half of the band · %B 0.51 · band width 19.3%
- SMA 50 / 200
- 0.85 / 1.65
- downtrend (price < SMA50 < SMA200)
- MACD (12, 26, 9)
- -0.05 / -0.06
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −11.7% | −1.1% | −10.6 pp | — |
| 3 months | −31.5% | −0.5% | −31.0 pp | — |
| 6 months | −67.2% | +4.4% | −71.6 pp | — |
| Year to date | −59.8% | +12.3% | −72.1 pp | — |
| 1 year | −69.2% | +13.5% | −82.8 pp | −44.4% |
| 3 years | −95.0% | +76.4% | −171.4 pp | −11.8% |
| 5 years | −99.9% | +63.7% | −163.5 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 760.0 k | -867.0 k | 1.2 m | 1.7 m | 2.3 m | 2.4 m | 2.7 m | 2.6 m |
| Cost of revenue | 560.0 k | — | — | — | — | — | 50.0 k | — |
| Gross profit | 200.0 k | — | — | — | — | — | — | — |
| Operating income | -435.0 k | -4.0 m | -4.8 m | -3.9 m | -2.8 m | -8.1 m | -5.2 m | -4.5 m |
| Depreciation & amortisation | 71.0 k ≈ | 659.0 k | 820.0 k | 836.0 k | 831.0 k | 829.0 k | 815.0 k | 806.0 k |
| Interest expense | 409.0 k | 1.3 m | 1.9 m | 388.0 k | 69.0 k | -79.0 k | — | — |
| Pre-tax income | -846.0 k | -280.0 k | -6.7 m | -4.0 m | -3.6 m | -8.4 m | -5.3 m | -4.0 m |
| Net income | -1.4 m | -7.2 m | -6.8 m | -4.1 m | -3.9 m | -8.4 m | -5.3 m | -4.0 m |
| Diluted EPS | -6.60 | -16.91 ≈ | -6.14 | -0.64 | -0.20 | -0.33 ≈ | -0.18 | -0.13 |
| Operating cash flow | -652.0 k ≈ | -1.6 m | -1.3 m | -4.3 m ≈ | -5.8 m ≈ | -10.0 m | -3.6 m | 2.2 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Fiscal years
| Fiscal year | 2017 | 2018 | ⚠ 2019 | 2020 | 2021 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2.6 m | 6.1 m | 11.6 m | 14.0 m | 12.4 m | 3.8 m | 1.1 m | 7.8 m |
| Revenue YoY | +23.8% | +134.5% | — | +20.5% | −11.5% | unavailable | −70.7% | +600.0% |
| Net income | -5.3 m | -9.0 m | -13.1 m | -9.9 m | -2.2 m | -7.5 m | -11.3 m | -23.2 m |
| Net income YoY | unavailable | unavailable | — | unavailable | unavailable | unavailable | unavailable | unavailable |
| Diluted EPS | unavailable | unavailable | unavailable | -0.98 | -0.35 | -70.42 | -46.63 | -2.23 |
| Diluted EPS YoY | unavailable | unavailable | — | unavailable | unavailable | unavailable | unavailable | unavailable |
| net % | -202.1% | -147.8% | -112.9% | -70.4% | -17.7% | -199.0% | -1,021.0% | -298.2% |
| Free cash flow | -7.7 m | -15.2 m | -11.3 m | -3.5 m | -6.2 m | -1.9 m | unavailable | -21.5 m |
The series breaks before 2019: earlier years come from the original reports of the issuer of that time, later years from a subsequent filing that restated the perimeter (a separation, discontinued operations). The year-on-year change across the break is not shown.
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 3.1 m USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 53.6 m USD
- Total assets
- 70.2 m USD
- Debt / equity
- unavailable
- Current ratio
- 1.19x
- ROE
- -45.2%
- ROA
- -33.9%
- FCF margin
- -276.2%
Financial statements (source on every figure)
Revenue and net income (USD)
Margins
Income statement · USD
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Revenue | 11.6 m | 14.0 m | 12.4 m | 3.8 m | 1.1 m | 7.8 m | SEC (XBRL)· 31 Mar 2026verified |
| Cost of revenue | 7.6 m | 10.4 m | 9.5 m | 9.4 m | — | — | SEC (XBRL)· 01 Apr 2024verified |
| Gross profit | 4.1 m | 3.6 m | 2.9 m | 1.1 m | — | — | SEC (XBRL)· 01 Apr 2024verified |
| SG&A | 3.2 m | 3.9 m | — | — | — | — | SEC (XBRL)· 31 Mar 2021verified |
| Operating income | -10.0 m | -8.2 m | -6.9 m | -2.4 m | -5.2 m | -19.5 m | SEC (XBRL)· 31 Mar 2026verified |
| Depreciation & amortisation | 1.7 m | 2.3 m | 1.2 m | 149.0 k | 758.0 k | 3.3 m | SEC (XBRL)· 31 Mar 2026verified |
| EBITDA | -8.3 m ≈ | -5.9 m ≈ | -5.7 m ≈ | -2.3 m ≈ | -4.4 m ≈ | -16.2 m ≈ | SEC (XBRL)· 31 Mar 2026derived |
| Interest expense | 508.0 k | 1.1 m | 1.3 m | 1.1 m | 2.2 m | 2.3 m | SEC (XBRL)· 31 Mar 2026verified |
| Pre-tax income | -13.1 m | -9.6 m | -6.1 m | -4.8 m | -2.4 m | -22.7 m | SEC (XBRL)· 31 Mar 2026verified |
| Net income | -13.1 m | -9.9 m | -2.2 m | -7.5 m | -11.3 m | -23.2 m | SEC (XBRL)· 31 Mar 2026verified |
| Diluted EPS | — | -0.98 | -0.35 | -70.42 | -46.63 | -2.23 | SEC (XBRL)· 31 Mar 2026verified |
| Weighted average diluted shares | — | — | — | 109.1 k | 246.3 k | 14.1 m | SEC (XBRL)· 31 Mar 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating income + Depreciation & amortisation.
Balance sheet · USD
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 343.0 k | 836.0 k | 3.3 m | 306.0 k | 80.0 k | 3.1 m | SEC (XBRL)· 31 Mar 2026verified |
| Receivables | 1.3 m | 694.0 k | 1.4 m | 163.0 k | 134.0 k | 20.0 k | SEC (XBRL)· 31 Mar 2026verified |
| Inventories | 7.1 m | 6.7 m | 6.5 m | 2.7 m | 1.5 m | — | SEC (XBRL)· 15 Apr 2025verified |
| Current assets | 14.5 m | 12.8 m | 14.1 m | 4.5 m | 10.0 m | 19.4 m | SEC (XBRL)· 31 Mar 2026verified |
| Property, plant & equipment, net | 4.7 m | 3.1 m | 2.2 m | 169.0 k | 14.7 m | 11.7 m | SEC (XBRL)· 31 Mar 2026verified |
| Goodwill | 28.0 k | — | — | — | 33.3 m | 33.3 m | SEC (XBRL)· 31 Mar 2026verified |
| Intangibles (excl. goodwill) | 14.7 m | 14.0 m | 13.6 m | 4.2 m | 4.9 m | 4.8 m | SEC (XBRL)· 31 Mar 2026verified |
| Total assets | 35.9 m | 31.7 m | 33.6 m | 17.5 m | 66.5 m | 70.2 m | SEC (XBRL)· 31 Mar 2026verified |
| Accounts payable | 2.3 m | 1.9 m | 1.3 m | 1.1 m | 1.7 m | 645.0 k | SEC (XBRL)· 31 Mar 2026verified |
| Long-term debt | 5.4 m | 5.5 m | 9.0 m | 8.0 m | — | — | SEC (XBRL)· 01 Apr 2024verified |
| Current liabilities | 6.1 m | 30.3 m | 9.5 m | 4.2 m | 16.2 m | 16.3 m | SEC (XBRL)· 31 Mar 2026verified |
| Total liabilities | 28.5 m | 32.8 m | 20.2 m | 16.6 m | 17.5 m | 16.6 m | SEC (XBRL)· 31 Mar 2026verified |
| Equity | 7.3 m † | -1.1 m † | 13.4 m † | 853.0 k | 49.0 m | 53.6 m | SEC (XBRL)· 31 Mar 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Operating cash flow | -9.1 m | -3.0 m | -5.9 m | -1.8 m | -3.2 m | -21.4 m | SEC (XBRL)· 31 Mar 2026verified |
| Capex | 2.2 m | 524.0 k | 265.0 k | 60.0 k | — | 15.0 k | SEC (XBRL)· 31 Mar 2026verified |
| Free cash flow | -11.3 m ≈ | -3.5 m ≈ | -6.2 m ≈ | -1.9 m ≈ | — | -21.5 m ≈ | SEC (XBRL)· 31 Mar 2026derived |
| Investing cash flow | -3.6 m | 137.0 k | 3.2 m | 104.0 k | -451.0 k | -1.1 m | SEC (XBRL)· 31 Mar 2026verified |
| Financing cash flow | 2.5 m | 3.4 m | 5.2 m | 1.4 m | 4.6 m | 24.9 m | SEC (XBRL)· 31 Mar 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
- indicators available: 4 of at least 6
- score weight coverage: 25.0% of at least 60%
- valuation methods computed: 0 of at least 1
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 22.8 m USD
Key indicators
Coverage and freshness
Score by group
25% · Insufficient data
Estimated value range
unavailable — no valuation method could be computed
Valuation assumptions are editorial choices, not measured; beta is not measured.
Valuation methods
- DCF (discounted cash flow)unavailable · net debt missing: EV cannot be bridged to equity (missing debt is not zero)
- Peers: EV/EBITDAunavailable · net debt missing: EV cannot be bridged to equity (missing debt is not zero)
- Peers: P/Eunavailable · the base of the ratio is not positive
- Dividend discount (DDM)unavailable · the company pays no dividend: a dividend model needs an explicit initiation assumption
no valuation method could be computed
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Insufficient data
Minimum-evidence gate: indicators available: 4 of at least 6; score weight coverage: 25.0% of at least 60%; valuation methods computed: 0 of at least 1
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | unavailable | unavailable | — |
| Net margin · Quality | -215.3% | 0 (vs peers) | 25% |
| FCF conversion · Quality | unavailable | unavailable | — |
| Revenue CAGR 3Y · Growth | unavailable | unavailable | — |
| EPS CAGR 3Y · Growth | unavailable | unavailable | — |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Interest coverage · Balance sheet | -9.1x | 0 (on a fixed band) | 25% |
| Current ratio · Balance sheet | 1.1x | 22 (on a fixed band) | 17% |
| P/E (TTM) · Valuation | unavailable | unavailable | — |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | -76.1% | 0 (on a fixed band) | 33% |
| Shareholder yield (distributions) · Returns | unavailable | unavailable | — |
| Payout ratio (FCF) · Returns | unavailable | unavailable | — |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet9/100 · 2/3 factors with a value
- Growth· partialunavailable · 0/2 factors with a value
- Quality· partial0/100 · 1/3 factors with a value
- Returns· partialunavailable · 0/2 factors with a value
- Valuation· partial0/100 · 1/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
BEELINE HOLDINGS, INC. (BLNE). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: revenue 7.8 m USD in 2025; YoY growth 600.0%; net margin -215.3%; ROE -41.1%.
Valuation cannot be computed from the available data.
Insufficient data for a verdict (indicators available: 4 of at least 6; score weight coverage: 25.0% of at least 60%; valuation methods computed: 0 of at least 1).
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
No signal among the computed factors. That is not an absence of risk: factors without data were not assessed, and business risks (margins, inventory, demand) are in the source-based analysis.
What contradicts it
- Net margin: -215.3%
- Interest coverage: -9.1x
- Current ratio: 1.1x
- FCF yield: -76.1%
Not assessed (insufficient data or a ratio without meaning): ROIC, FCF conversion, Revenue CAGR 3Y, EPS CAGR 3Y, Net debt / EBITDA, P/E (TTM), EV/EBITDA, Shareholder yield (distributions), Payout ratio (FCF).
Versus the vertical median
Nondepository credit (SIC 616x) · same industry group (3-digit SIC) · compared with 8 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| PFSIPennyMac Financial Services, Inc. | 3.5 bn | 15.2 | 5.6% | 640.7% | −25.2% | −50% / −13% |
| FOAFinance Of America Companies Inc. | 751.1 m | — | -0.1% | -0.1% | +26.1% | −50% / +31% |
| TREELendingTree, Inc. | 538.4 m | 3.1 | 82.8% | 14.3% | +24.1% | −33% / +117% |
| BETRBetter Home & Finance Holding Company | 383.2 m | — | -267.7% | -112.6% | +52.0% | −58% / −12% |
| ONITOnity Group Inc. | 256.5 m | 2.0 | 25.9% | 12.3% | +9.3% | −31% / +19% |
| UWMCUWM Holdings Corp | 174.2 m | — | -2.7% | -1.0% | +18.2% | −71% / −69% |
| BLNEBeeline Holdings, Inc. | 22.8 m | — | -41.1% | -215.3% | +600.0% | −69% / −95% |
| FINVFinVolution Group | — | 11.3 | 16.3% | 2,679.2% | +3.9% | −39% / −31% |
| FIGRFigure Technology Solutions, Inc. | — | 24.8 | 16.8% | 33.5% | +48.7% | −36% / unavailable |
1- and 3-year price returns: for BLNE from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable |
| 3 years | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable |
| 5 years | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable |
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
Beeline Holdings is a fintech mortgage lender in the United States that combines digital home loans, title services and a fractional home equity platform. The company is in a transition phase, with rising revenue and a proposed combination with TYTL, but continues to report net losses and needs additional capital.
SWOT
Strengths
- A proprietary digital platform combines QM and Non-QM loans and automates underwriting tasks, which could reduce production costs.
- Revenue grew and operating margins improved from the prior quarter in the second quarter of 2026, according to the results release.
- Vertical integration through Beeline Title and Beeline Labs could diversify revenue sources beyond core lending.
Weaknesses
- Persistent net losses and dependence on additional capital raise uncertainty about the going concern.
- Revenue concentration in gain on sale of loans makes results sensitive to secondary market conditions and sale prices.
- Dependence on one major lead channel, Google, exposes the company to price and performance changes in customer acquisition.
Opportunities
- Licensing the BlinkQC platform to other lenders could create recurring revenue if the planned integrations take place.
- If the TYTL combination closes, the company could extend into asset-backed residential equity products.
- Partnerships with real estate developers, such as the one with SRG, could bring customers through direct integration of the mortgage platform.
Threats
- A rise in interest rates or renewed inflation could reduce loan volume and secondary market sale values.
- Regulatory changes on cryptocurrencies and AI could make BeelineEquity products harder or more costly to offer.
- Dependence on third parties for software and AI, including MagicBlocks, could expose the company to disruption if those relationships change.
Risks
- Going concernhigh
Management acknowledges that working capital and cash flows do not fully cover the next twelve months, creating a going concern risk.
- Secondary market dependencehigh
Selling loans to a limited number of buyers is essential for funding production. A drop in demand could seriously affect operations.
- TYTL combinationmedium
The letter of intent does not oblige completion of the transaction, and economic terms and ownership ratios could change during negotiations.
- Third-party dependencemedium
Losing software providers or lead partners could disrupt operations and raise costs.
- Goodwill impairmentmedium
The carrying value of goodwill and intangible assets could be impaired if results remain weak, producing non-cash losses.
Investment thesis
What would need to be true (bull case)
- If revenue growth and margin improvement from recent quarters continue, the company could gradually reach operating break-even.
- Licensing BlinkQC and expanding asset-backed equity products could create revenue sources less dependent on interest rates.
- The shift to digital processes and younger buyers' interest in flexible loans could sustain demand for the company's platform.
What would break the thesis
- Persistent net losses and the need for capital could dilute existing shareholders if funding comes from share issuance.
- Dependence on secondary market sales and interest rate conditions makes revenue volatile and hard to forecast.
- New projects such as the TYTL combination and crypto-linked products carry regulatory and execution risks that could delay or reduce expected benefits.
What to watch
- Financial results and monthly margins compared with July 2026 levelsQ3 2026
- Status of negotiations and any definitive agreement with TYTL2026
- BlinkQC integration and first licensing contracts with other lenderslate 2026
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
Beeline Holdings, Inc. is a fintech company offering digital mortgage loans, brokerage for fractional home equity purchases and title services through its proprietary platform. According to the 2025 annual report, the company acts mainly as lender and, for the remainder, as mortgage broker. In 2025, approximately 73% of loans were Non-QM, aimed at borrowers without traditional salaried income. The company was founded in 2019 and is listed on Nasdaq under the symbol BLNE.
Revenue relies mainly on net gain on sale of loans, which accounted for approximately 69% of revenue in 2025, followed by origination fees and title fees. The company sells closed loans to aggregators, who then handle servicing. The automation platform, including the AI assistant Bob, is meant to reduce production costs and speed up approval.
The company also runs related activities: Beeline Labs develops BlinkQC, a SaaS platform for pre-close quality control launched in July 2025, and BeelineEquity offers fractional home equity in partnership with TYTL. In August 2026, Beeline announced a letter of intent for an all-stock combination with TYTL, subject to negotiations and later approvals.
Segments
Mortgage lending
The core segment, covering conforming and Non-QM loans, generates most revenue through gain on sale of loans and origination fees. The company is licensed in 29 states and targets property investors, self-employed workers and Millennial and Gen Z buyers.
Title services
Beeline Title provides title, escrow and closing services, with an average fee of about 1,100 dollars per closed file. It also serves other lenders, which widens the revenue base beyond direct lending.
Technology and BeelineEquity
Beeline Labs licenses software and SaaS products, and BeelineEquity generates fees on fractional home equity transactions. These activities are smaller in weight but could become more relevant if the SaaS and equity products reach the scale management targets.
Market context
The US mortgage market is dominated by independent mortgage banks (IMBs), which originated approximately 83% of single-family mortgages in 2024. Demand from younger generations and interest in Non-QM products support the segment the company operates in. High interest rates and persistent inflation remain important constraints on loan volume.
Customer acquisition depends heavily on online channels: Google accounted for approximately 49.5% of leads in 2025. This concentration could expose the company to changes in pricing or performance of those channels.
Trends
- Interest ratesmixed
High rates reduce refinancing and home purchases but can boost cash-out lending. Federal Reserve rate cuts in late 2025 could support volume if the trend continues.
- Digital mortgage adoptiontailwind
Customers increasingly prefer digital processes, and the company's platform is built for this segment. Adoption of automation and AI could lower costs if it stays competitive.
- Housing shortageheadwind
Limited housing supply and weak affordability reduce purchase transactions. Management believes the imbalance could eventually bring more construction, which could support later demand.
- Digital asset regulationmixed
Rules for cryptocurrencies and digital assets are still being defined. Clarity could open new markets for BeelineEquity, but stricter requirements could limit its products.
Competitive position
Banks have traditionally dominated mortgage lending, with advantages in cost of capital and compliance. Independent mortgage banks now hold most of the market, and competition is intense, especially in Non-QM and digital lending.
The company competes with digital lenders and large institutions offering conventional products. Its differentiation rests on combining QM and Non-QM products on one platform, but this advantage must be sustained by volume and cost.
- Rocket CompaniesRKT
Large US digital lender, cited as a reference point for online mortgage origination.
- LendingTreeTREE
Lead platform and loan comparison service that supplies part of the company's customers.
- Title insurance underwriters
Title underwriters with which Beeline Title works as agent, and also indirect competitors in closing services.
- Banks and savings institutions
Traditional competitors that dominated mortgage lending and may offer a lower cost of capital.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report20 Oct 2026Regulation FD disclosure · Financial statements and exhibits
- Current report07 Oct 2026Regulation FD disclosure · Financial statements and exhibits
- Current report06 Oct 2026Regulation FD disclosure · Financial statements and exhibits
- Current report23 Sept 2026Regulation FD disclosure · Financial statements and exhibits
- Current report22 Sept 2026Regulation FD disclosure · Financial statements and exhibits
- Current report18 Sept 2026Regulation FD disclosure · Financial statements and exhibits
- Current report21 Aug 2026Shareholder vote
- Quarterly report14 Aug 2026
- Current report13 Aug 2026Results of operations · Financial statements and exhibits
- Current report12 Aug 2026Regulation FD disclosure · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Beeline Holdings, Inc. · 31 Mar 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Beeline Holdings, Inc. · 14 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Beeline Holdings, Inc. · 13 Aug 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.