Beeline Holdings, Inc. · NASDAQ:BLNE
Beeline — Investor Presentation (September 2025)
17 slides from Beeline's investor presentation, September 2025
Slide 1: Smarter Home Financing
Smarter Home Financing Investor Deck | September 2025 BLNE 1
Slide 2: Disclaimer
Disclaimer This presentation does not constitute an offer to sell or the solicitation of an offer to buy any securities, nor shall there be any sale of securities in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the
Slide 3: Who is Beeline?
About Us Who is Beeline? Beeline Beeline is an AI-enabled, digital end-to-end financing platform that provides homeowners Mortgage and property investors with debt and equity solutions seamlessly, rapidly and at lower cost. Title Beeline is a rapidly growing FinTech company that owns 100% of an Inde
Slide 4: The Home Financing Process Has Barely Evolved for the Digital Age
Problem The Home Financing Process Has Barely Evolved for the Digital Age Lengthy Bloated costs Labor-heavy & risky • 40–60 day close cycle • $9–13K average • Human capital intensive cost per loan and error-prone Instant, mobile-first experiences are the norm for Millennials and Gen Z. Homeowners ar
Slide 5: Vision
Vision For the next generation of For asset-rich homeowners homeowners and investors: and investors: getting a mortgage can truly a fractional sale of be as intuitive and stress-free property equity can create as ordering takeout liquidity in 5 business days makeabeeline.com 5
Slide 6: Beeline Brings True Convenience to Mortgage & Home Equity Operations
Solution Beeline Brings True Convenience to Mortgage & Home Equity Operations User-Friendly Transparent Streamlined Always “ON” Equity Digital UX powered Task-based processing Fully integrated title Customer support Alternative by AI agent "Bob" with HIVE Engine & QC services available 24/7 across F
Slide 7: End-to-End Tools That Power Home Loans & Home Equity Sales
Product Overview End-to-End Tools That Power Home Loans & Home Equity Sales Product What it does A fast, fully digital mortgage experience with rapid approvals — built to serve non-traditional, Beeline Loans B2C Gig economy, borrowers and investors. B2C An in-house, fully digital title service that
Slide 8: Unlock Home Equity Without Debt, Banks, or Monthly Payments
BeelineEQUITY Unlock Home Equity Without Debt, Banks, or Monthly Payments Built for Asset-Rich, Cash-Light Fast, Fully Digital Experience Homeowners • Enables fractional sale of home • Online application, automated approvals, equity to unlock liquidity and funding in under 5 business days Backed by
Slide 9: A Massive Industry Ripe for Reinvention
Market Opportunity A Massive Industry Ripe for Reinvention 100M+ Millennial & Gen Z customers entering $13T Total outstanding mortgages the housing market 76M+ Baby Boomers who may need to tap $36T Home equity their home equity 70M+ U.S. freelancers in Large financial $2.3T (2025 U.S. mortgage origi
Slide 10: Market fit
Market fit A financial platform built for the digital generation • Gig economy workers rapid, accurate aligned with trend for zero paperwork, less approval + mobile UX digital, self-service friction, lower churn, • Property investors interfaces and higher customer • Asset-rich homeowners satisfactio
Slide 11: By introducing new innovative products and reducing cost-to-close, we unlock scalable, high-margin growth
Business Model By introducing new innovative products and reducing cost-to-close, we unlock scalable, high-margin growth Lending Title Tech Fractional Equity Revenue Revenue Licensing Revenue Core revenue stream Income from title services SAAS monthly revenue Origination and title fees generated fro
Slide 12: AI + Automation + Equity Products is Our Moat
Technology Advantage AI + Automation + Equity Bob Converts leads 6x better than human reps while handling sensitive customer data with Products is Our Moat (AI agent) compliance safeguards. Intelligently matches each borrower with Built-in POS optimal loan products — across both system conventional
Slide 13: Traction
Traction Partnerships $1.1B 36K/4K Loan volume since Application received/ inception Loans closed since inception 2X BLNE YoY title revenue growth, Publicly traded no CAC increase on NASDAQ makeabeeline.com 13
Slide 14: Built by Fintech Experts with Proven Track Record
Team Built by Fintech Experts with Proven Track Record CEO COO CFO CMO CTO Nick Jess Chris Jason Cameron Liuzza Kennedy Moe Johnson Slabosz Together built and scaled Linear Title, the largest $Billion+ financing Growth-driven marketing Co-founded Nimble, a all-digital title company and sold to Real
Slide 15: Growing faster than the industry with improving unit economics
Financial Snapshot Growing faster than the industry with improving unit economics Operating Year Volume ($M) Avg. Rate Revenue ($K) OpEx ($K) Loss ($K) 2022 132 5.34% 2,948 13,392 (10,445) 2023 144 6.82% 3,794 13,728 (9,934) 2024 199 6.73% 5,030 14,396 (9,366) makeabeeline.com 15
Slide 16: The tech is ready. The timing is right.
Why Now The tech is ready. The timing is right. The heavy lifting is done — and the path to scale is clear. Crypto-Backed equity product Supply Shift Digital Demand • Highly scalable fractional equity • Housing availability is stabilizing • A new wave of buyers expects fast, alternative, not tied to
Slide 17: Let's give today's borrowers a better path to homeownership.
Let's give today’s borrowers a better path to homeownership. Join us in transforming the way Buy homeowners and investors Get a home loan from your sofa finance their future. ir@makeabeeline.com makeabeeline.com linkedin.com/company/makeabeeline Investor Deck | July 2025 17
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