Beeline Holdings (NASDAQ: BLNE) launches self-service mortgage experience

Rhea-AI Filing Summary

Beeline Holdings, Inc. filed a current report highlighting the launch of its new Self-Service Mortgage Experience, a 24/7 digital pathway that lets eligible borrowers explore personalized conventional mortgage options and request rate locks without speaking to a loan officer.

The first phase of Self-Service went live on March 11, 2026 and currently applies to about half of Beeline’s conventional mortgage applicants. The AI-driven platform presents customized rate options, integrates a digital assistant named Bob for real-time help, and still offers on-demand access to Beeline Loan Guides, with future phases expected to expand self-service capabilities.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): March 13, 2026

BEELINE HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Nevada		001-38182		20-3937596
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

188 Valley Street, Suite 225

Providence, RI 02909

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code: (458) 800-9154

Securities registered pursuant to Section 12(b) of the Act:

Common Stock, $0.0001 par value		BLNE		The Nasdaq Stock Market LLC
(Title of Each Class)		(Trading Symbol)		(Name of Each Exchange on Which Registered)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (CFR §230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (CFR §240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure.

On March 13, 2026, the Company issued a press release, a copy of which is furnished as Exhibit 99.1 of this Current Report on Form 8-K.

The information in this Item 7.01 (including Exhibit 99.1) shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under such section, and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.		Exhibit
99.1		Press Release dated March 13, 2026

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: March 13, 2026

	BEELINE HOLDINGS, INC.
	By:	/s/ Nicholas R. Liuzza, Jr.
		Nicholas R. Liuzza, Jr.
		Chief Executive Officer

Exhibit 99.1

Beeline Holdings Launches Self-Service Mortgage Experience, Introducing a 24/7 Digital Pathway for Modern Homebuyers

New platform feature allows borrowers to explore personalized mortgage options and lock rates instantly without speaking to a loan officer

Providence, RI — March 13, 2026 — Beeline Holdings, Inc. (NASDAQ: BLNE) (“Beeline”) today announced the launch of the Self-Service Mortgage Experience (SSME), a new pathway through its proprietary technology designed to give borrowers greater flexibility and control in the mortgage process.

The first phase of Self-Service launched on March 11, 2026 and is currently available to half of all borrowers applying for a conventional mortgage through Beeline’s platform.

The feature was designed with the modern homebuyer in mind, particularly Millennials and Gen Z, who are accustomed to digital-first experiences and increasingly expect financial services to match the simplicity and convenience of modern technology platforms.

Today, more than 55% of Millennials and 27% of Gen Z consumers already own homes, and many prefer the ability to navigate major financial decisions on their own timetable without friction.

Beeline’s Self-Service Mortgage Experience allows borrowers to move through key early steps of the mortgage process 24 hours a day without needing to speak to a loan officer unless they choose to do so.

Eligible borrowers completing Beeline’s proprietary point-of-sale mortgage application will see the option to select the Self-Service pathway. After choosing the experience, borrowers are directed to their personalized loan tracker where Beeline’s AI-driven platform processes application data in seconds and presents customized conventional mortgage rate options — not static rate rack quotes.

Borrowers can then explore loan scenarios and request a rate lock directly within the platform at any time of day.

To assist along the way, Beeline’s proprietary digital assistant “Bob” is integrated within the tracker to answer questions in real time. For borrowers who prefer human guidance, Beeline Loan Guides remain available on demand.

Self-Service marks the first phase of a broader product roadmap designed to streamline the mortgage journey while reducing unnecessary friction in the borrower experience.

Borrowers on the Beeline platform already complete several steps digitally, including:

● ● ● signing disclosures
submitting documentation
paying for appraisals

Future phases of the SSME are expected to expand the number of steps borrowers can complete independently within the platform.

By gradually introducing these capabilities, Beeline aims to build a fully digital mortgage experience that balances automation with expert guidance, giving customers greater transparency, speed, and control while ensuring support remains available whenever needed.

“With Self-Service, we’re giving borrowers a clearer view of their options earlier in the process,” said Jess Kennedy, Chief Operating Officer of Beeline Financial Holdings, Inc., Beeline’s principal operating subsidiary. “Customers can review potential loan scenarios and request a rate lock when they’re ready—on their own timetable—while still having the ability to connect with a Loan Guide whenever they want support,” she continued.

Learn More about Beeline at www.makeabeeline.com

About Beeline Holdings, Inc.

Beeline Holdings, Inc. is a diversified digital mortgage platform that combines AI-powered origination technology with a growing suite of home equity and financial services products. Beeline closes loans in 14–21 days and operates Beeline Title as an integrated closing and settlement services provider.

For more information, visit makeabeeline.com.

Contacts

Investor Relations

ir@makeabeeline.com

Media Inquiries

press@makeabeeline.com

Cautionary Note Regarding Forward-Looking Statements

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding expectations that Beeline will enhance the functionality of its new self-service mortgage product. Forward-looking statements are prefaced by words such as “anticipate,” “expect,” “plan,” “could,” “may,” “will,” “should,” “would,” “intend,” “seem,” “potential,” “appear,” “continue,” “future,” believe,” “estimate,” “forecast,” “project,” and similar words. Forward-looking statements are based on our current expectations and assumptions regarding our business, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. We caution you, therefore, against relying on any of these forward-looking statements. Our actual results may differ materially from those contemplated by the forward-looking statements for a variety of reasons, including, without limitation, the possibility that demand for this new service will not be robust or software limitations cause Beeline to not expand it. Any forward-looking statement made by us in this press release speaks only as of the date on which it is made. Factors or events that could cause our actual results to differ may emerge from time to time, and it is not possible for us to predict all of them. We undertake no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise, except as may be required by law.

FAQ

What did Beeline Holdings (BLNE) announce in this 8-K filing?

Beeline announced the launch of its Self-Service Mortgage Experience, a digital pathway that lets eligible borrowers explore personalized conventional mortgage options and request rate locks online. The first phase went live March 11, 2026 and is available to about half of Beeline’s conventional applicants.

How does Beeline’s Self-Service Mortgage Experience work for borrowers?

Eligible borrowers completing Beeline’s point-of-sale mortgage application can choose the Self-Service pathway and move through early mortgage steps 24/7. The AI-driven platform processes application data in seconds, presents customized rate options, and allows users to explore scenarios and request rate locks directly within the platform.

Who is Beeline’s new self-service mortgage feature designed for?

The feature is designed for modern homebuyers, especially Millennials and Gen Z, who prefer digital-first financial experiences and value flexibility. It allows them to navigate key mortgage decisions on their own timetable while still having access to Beeline Loan Guides when they want human support or guidance.

What role do AI and the digital assistant Bob play in Beeline’s platform?

Beeline’s AI-powered platform rapidly processes application data and generates customized conventional mortgage rate options instead of static rate sheets. Within the personalized loan tracker, the proprietary digital assistant Bob answers questions in real time, helping borrowers understand options while they progress through the self-service experience.

Will Beeline expand the Self-Service Mortgage Experience over time?

Yes. Self-Service is described as the first phase of a broader roadmap to streamline the mortgage journey. Future phases are expected to increase the number of steps borrowers can complete independently, moving toward a fully digital experience while maintaining access to expert guidance when needed.

What risks or uncertainties does Beeline highlight about this new mortgage product?

Beeline notes that its forward-looking statements involve risks and uncertainties, including the possibility that demand for the self-service offering may not be robust or software limitations may prevent expansion. Actual results may differ materially, and the company does not commit to updating these forward-looking statements.

Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99.1 EX-99.1 17.8 KB

Other Documents

• EX-101 XBRL SCHEMA FILE 3.0 KB
• EX-101 XBRL LABEL FILE 33.4 KB
• EX-101 XBRL PRESENTATION FILE 21.8 KB