Company: NEWTP
Filing Date: 2025-08-13
Form Type: 424B2
Source: 0001587987-25-000144
Chunk: 2

Company: NewtekOne, Inc.
Filing Date: 2025-08-13
Form: 424B2
Chunk 2
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 Commission, any state securities commission, the Board of Governors of the Federal Reserve System or the Office of the Comptroller of the Currency has approved or disapproved of the depositary shares nor have any of the foregoing authorities determined if this prospectus supplement is truthful or complete. Any representation to the contrary is a criminal offense.

The depositary shares are not savings accounts, deposits or other obligations of any of the Company’s bank or non-bank subsidiaries and are not insured by the Federal Deposit Insurance Corporation (“FDIC”) or any other government agency or insurer.

Neither the Company nor the underwriters have authorized any other person to provide you with any information other than that contained or incorporated by reference in this prospectus supplement, the accompanying prospectus or in any free writing prospectus that the Company prepares or distributes. Neither the Company nor the underwriters take any responsibility for, or provide any assurance as to the reliability of, any other information that others may give you.

The Company is not, and the underwriters are not, making an offer to sell the depositary shares in any jurisdiction where the offer or sale is not permitted. Neither this prospectus supplement nor the accompanying prospectus constitutes an offer of, or an invitation on the Company’s behalf or on behalf of the underwriters to subscribe for and purchase, any securities, and may not be used for or in connection with an offer or solicitation by anyone, in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. You should assume that the information contained in this prospectus supplement and the accompanying prospectus is accurate only as of the date on the front of this prospectus supplement. The Company’s business, financial condition, results of operations and prospects may have changed

#### since that date.
|                                           |     | Per depositary share |     | Total(2) |
| Public offering price(1)                  |     |               $25.00 |     | $[   ]   |
| Underwriting discount                     |     |               $[   ] |     | $[   ]   |
| Proceeds, before expenses, to the Company |     |               $[   ] |     | $[   ]   |

(1) The public offering price does not include dividends, if any, that may be declared. Dividends, if declared, will be calculated from the date of initial issuance, which is expected to be August [ ], 2025.

(2