Company: NEWTP
Filing Date: 2025-08-13
Form Type: 424B2
Source: 0001587987-25-000144
Chunk: 63

Company: NewtekOne, Inc.
Filing Date: 2025-08-13
Form: 424B2
Chunk 63
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 the applicable rules and regulations of that jurisdiction. Persons into whose possession this prospectus supplement comes are advised to inform themselves about and to observe any restriction relating to the offering and the distribution of this prospectus supplement. This prospectus supplement and the accompanying prospectus do not constitute an offer to sell or a solicitation of an offer to buy the depositary shares offered by this prospectus supplement and the accompanying prospectus in any jurisdiction in which such an offer or a solicitation is unlawful.

<div align='center'>S-52</div>

### LEGAL MATTERS
The validity of the depositary shares and the Preferred Stock will be passed upon for the Company by Michael A. Schwartz, Chief Legal Officer and Corporate Secretary of the Company. Mr. Schwartz will rely upon the opinion of Robert Fraley, Senior Counsel of the Company, as to matters of Maryland law. Certain legal matters in connection with the securities offered hereby will be passed upon for the underwriters by Squire Patton Boggs (US) LLP, Cincinnati, Ohio.

### EXPERTS

#### NewtekOne, Inc.
The consolidated financial statements of NewtekOne, Inc. and its subsidiaries as of December 31, 2024 and 2023 and for each of the years in the three-year period ended December 31, 2024 and the effectiveness of internal control over financial reporting as of December 31, 2024 incorporated in this prospectus supplement by reference from the Annual Report on Form 10-K for the year ended December 31, 2024 have been audited by RSM US LLP, an independent registered public accounting firm, as stated in their reports thereon, incorporated herein by reference, in this prospectus supplement in reliance upon such reports and upon the authority of such firm as experts in accounting and auditing.

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#### PROSPECTUS

#### NewtekOne, Inc.
<div align='center'>$500,000,000</div>

#### Common Stock

#### Preferred Stock

#### Depositary Shares

#### Subscription Rights

#### Warrants

#### Debt Securities

#### Units
This prospectus relates to the offer, from time to time, in one or more offerings or series, of up to $500,000,000 of common stock, preferred stock, depositary shares, subscription rights, warrants, debt securities and/or units consisting of some or all of these securities, which we refer to, collectively, as the “securities.” The securities offered hereby may be convertible or exchange