BLNE — what changed in the latest 10-Q
A section-by-section comparison of BLNE's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-14 vs the prior 10-Q · 2026-05-15
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +32 | −24 | ~20 | 98 |
| Market risk (Item 3) | Text added/removed | +5 | −3 | ~5 | 52 |
| Controls & procedures | Text added/removed | +5 | −3 | ~5 | 51 |
| Legal proceedings | Text added/removed | +5 | −3 | ~3 | 50 |
| Risk factors | Text added/removed | +5 | −3 | ~2 | 49 |
| Other information | Text added/removed | +3 | −1 | ~1 | 48 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-14
On July 28, 2026, we entered into a non-binding letter of intent with TYTL regarding a proposed business combination pursuant to which TYTL would merge with and into the Company in an all-stock transaction. The proposed transaction is intended to combine our digital mortgage, lending, and title plat…
As of June 30, 2026, we acquired the remaining outstanding equity interest in MagicBlocks, the artificial intelligence company whose technology powers Bob, our proprietary AI agent, and underpins key automation capabilities across our mortgage origination and title operations. The acquisition gives …
Inflation has remained above the Federal Reserve’s long-term target, although the pace of price increases moderated compared with the elevated levels experienced during 2022–2023. Headline Consumer Price Index (“CPI”) inflation increased during the first five months of 2026, reflecting, in part, hig…
The ultimate impact of geopolitical conflicts in the Middle East, U.S. and foreign tariff actions implemented during 2024–2026, and subsequent monetary and fiscal policy developments remains uncertain. These factors have the potential to affect supply chains, energy markets, input costs, and pricing…
Housing and other services-related costs continued to be primary contributors to underlying inflation during the first half of 2026 and continued to constrain residential mortgage originations. While shelter inflation has moderated from prior peak levels, housing affordability remains challenged by …
Text removed vs the prior filing · source: 10-Q · 2026-05-15
During 2025 and through early 2026, inflation moderated from the elevated levels experienced in 2022–2023, although progress remained uneven. Headline Consumer Price Index (“CPI”) increased to approximately 3.0% year-over-year by the end of 2025, compared to the mid-2% range earlier in the year. How…
The ultimate impact of the war in the Middle East and U.S. and foreign tariff actions implemented during 2024–2025, as well as subsequent policy developments and geopolitical conditions, remains uncertain. These factors have the potential to affect supply chains, input costs, and pricing dynamics ac…
Housing and other services-related costs have continued to be primary contributors to overall inflation and constrain home purchase originations throughout 2025 and into 2026. While month-over-month increases in housing moderated at times, year-over-year measures remained elevated relative to histor…
At the beginning of October 2025, the average 30-year fixed-rate mortgage was in the low-to-mid 7% range, generally fluctuating between approximately 7.0% and 7.5% on a weekly basis. Rates reached periodic highs in the fourth quarter of 2025 within this range, reflecting continued macroeconomic unce…
Beginning in late 2025 and continuing into the first quarter of 2026, mortgage rates declined gradually. Monthly averages decreased from approximately 6.19% in December 2025 to approximately 6.10% in January 2026 and 6.05% in February 2026, before modestly increasing to approximately 6.18% in March …
Market risk (Item 3)
Text added vs the prior filing · source: 10-Q · 2026-08-14
On July 17, 2026, the Company sold and issued 113,045 shares of common stock pursuant to that certain Amended and Restated Common Stock Purchase Agreement and related Amended and Restated Registration Rights Agreement dated March 7, 2025 with C/M Capital Master Fund LP as purchaser, for total gross …
The disclosure set forth under “Item 5 – Other Information – Insider Loan” is incorporated herein by reference.
On August 12, 2026, the Company sold and issued a $500,000 convertible promissory note to Nicholas R. Liuzza, Jr., the Company’s Chief Executive Officer, for a purchase price of $500,000. The note was approved by the Company’s Board of Directors and provides that it will automatically convert into s…
10.17 Form of Securities Exchange Agreement, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on July 2, 2026 and incorporated by reference herein.
10.18 Letter of Intent, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on August 3, 2026 and incorporated by reference herein.
Text removed vs the prior filing · source: 10-Q · 2026-05-15
On March 19, 2026 and April 22, 2026, two warrant holders exercised 241,393 Series G Warrants to purchase Common Stock and acquired an aggregate of 193,590 shares of common stock.
On April 20, 2026, the Company sold a total of 300,000 shares of common stock under the ELOC Agreement dated March 7, 2025.
On May 15, 2026, the Company entered into a second amendment to the Master Repurchase Agreement dated October 6, 2025 with a warehouse lender, increasing the line of credit to $6 million through May 22, 2026 and reverting back to $5 million thereafter. In addition, certain financial covenants were a…
Controls & procedures
Text added vs the prior filing · source: 10-Q · 2026-08-14
On July 17, 2026, the Company sold and issued 113,045 shares of common stock pursuant to that certain Amended and Restated Common Stock Purchase Agreement and related Amended and Restated Registration Rights Agreement dated March 7, 2025 with C/M Capital Master Fund LP as purchaser, for total gross …
The disclosure set forth under “Item 5 – Other Information – Insider Loan” is incorporated herein by reference.
On August 12, 2026, the Company sold and issued a $500,000 convertible promissory note to Nicholas R. Liuzza, Jr., the Company’s Chief Executive Officer, for a purchase price of $500,000. The note was approved by the Company’s Board of Directors and provides that it will automatically convert into s…
10.17 Form of Securities Exchange Agreement, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on July 2, 2026 and incorporated by reference herein.
10.18 Letter of Intent, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on August 3, 2026 and incorporated by reference herein.
Text removed vs the prior filing · source: 10-Q · 2026-05-15
On March 19, 2026 and April 22, 2026, two warrant holders exercised 241,393 Series G Warrants to purchase Common Stock and acquired an aggregate of 193,590 shares of common stock.
On April 20, 2026, the Company sold a total of 300,000 shares of common stock under the ELOC Agreement dated March 7, 2025.
On May 15, 2026, the Company entered into a second amendment to the Master Repurchase Agreement dated October 6, 2025 with a warehouse lender, increasing the line of credit to $6 million through May 22, 2026 and reverting back to $5 million thereafter. In addition, certain financial covenants were a…
Legal proceedings
Text added vs the prior filing · source: 10-Q · 2026-08-14
On July 17, 2026, the Company sold and issued 113,045 shares of common stock pursuant to that certain Amended and Restated Common Stock Purchase Agreement and related Amended and Restated Registration Rights Agreement dated March 7, 2025 with C/M Capital Master Fund LP as purchaser, for total gross …
The disclosure set forth under “Item 5 – Other Information – Insider Loan” is incorporated herein by reference.
On August 12, 2026, the Company sold and issued a $500,000 convertible promissory note to Nicholas R. Liuzza, Jr., the Company’s Chief Executive Officer, for a purchase price of $500,000. The note was approved by the Company’s Board of Directors and provides that it will automatically convert into s…
10.17 Form of Securities Exchange Agreement, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on July 2, 2026 and incorporated by reference herein.
10.18 Letter of Intent, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on August 3, 2026 and incorporated by reference herein.
Text removed vs the prior filing · source: 10-Q · 2026-05-15
On March 19, 2026 and April 22, 2026, two warrant holders exercised 241,393 Series G Warrants to purchase Common Stock and acquired an aggregate of 193,590 shares of common stock.
On April 20, 2026, the Company sold a total of 300,000 shares of common stock under the ELOC Agreement dated March 7, 2025.
On May 15, 2026, the Company entered into a second amendment to the Master Repurchase Agreement dated October 6, 2025 with a warehouse lender, increasing the line of credit to $6 million through May 22, 2026 and reverting back to $5 million thereafter. In addition, certain financial covenants were a…
Risk factors
Text added vs the prior filing · source: 10-Q · 2026-08-14
On July 17, 2026, the Company sold and issued 113,045 shares of common stock pursuant to that certain Amended and Restated Common Stock Purchase Agreement and related Amended and Restated Registration Rights Agreement dated March 7, 2025 with C/M Capital Master Fund LP as purchaser, for total gross …
The disclosure set forth under “Item 5 – Other Information – Insider Loan” is incorporated herein by reference.
On August 12, 2026, the Company sold and issued a $500,000 convertible promissory note to Nicholas R. Liuzza, Jr., the Company’s Chief Executive Officer, for a purchase price of $500,000. The note was approved by the Company’s Board of Directors and provides that it will automatically convert into s…
10.17 Form of Securities Exchange Agreement, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on July 2, 2026 and incorporated by reference herein.
10.18 Letter of Intent, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on August 3, 2026 and incorporated by reference herein.
Text removed vs the prior filing · source: 10-Q · 2026-05-15
On March 19, 2026 and April 22, 2026, two warrant holders exercised 241,393 Series G Warrants to purchase Common Stock and acquired an aggregate of 193,590 shares of common stock.
On April 20, 2026, the Company sold a total of 300,000 shares of common stock under the ELOC Agreement dated March 7, 2025.
On May 15, 2026, the Company entered into a second amendment to the Master Repurchase Agreement dated October 6, 2025 with a warehouse lender, increasing the line of credit to $6 million through May 22, 2026 and reverting back to $5 million thereafter. In addition, certain financial covenants were a…
Other information
Text added vs the prior filing · source: 10-Q · 2026-08-14
On August 12, 2026, the Company sold and issued a $500,000 convertible promissory note to Nicholas R. Liuzza, Jr., the Company’s Chief Executive Officer, for a purchase price of $500,000. The note was approved by the Company’s Board of Directors and provides that it will automatically convert into s…
10.17 Form of Securities Exchange Agreement, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on July 2, 2026 and incorporated by reference herein.
10.18 Letter of Intent, filed as Exhibit 10.1 to the Current Report on Form 8-K filed on August 3, 2026 and incorporated by reference herein.
Text removed vs the prior filing · source: 10-Q · 2026-05-15
On May 15, 2026, the Company entered into a second amendment to the Master Repurchase Agreement dated October 6, 2025 with a warehouse lender, increasing the line of credit to $6 million through May 22, 2026 and reverting back to $5 million thereafter. In addition, certain financial covenants were a…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice