Company: NEWTP
Filing Date: 2025-06-06
Form Type: 424B5
Source: 0001587987-25-000104
Chunk: 1

Company: NewtekOne, Inc.
Filing Date: 2025-06-06
Form: 424B5
Chunk 1
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 hereby amended to refer to the Amended and Restated Equity Distribution Agreement.

This amendment is increasing the number of shares of our common stock from 3,000,000 to 5,000,000 that are available to be sold from time to time through the Placement Agents acting as our sales agents pursuant to the prospectus supplement, as amended by this amendment and the accompanying prospectus. This amount consists of 1,100,000 shares of our common stock previously sold pursuant to the 2023 Equity Distribution Agreement and the prospectus supplement, with an additional 3,900,000 shares of our common stock remaining available to be sold from and including the date hereof under the Amended and Restated Equity Distribution Agreement and the prospectus supplement, as amended by this amendment and the accompanying prospectus.

Shares of our common stock are listed on the Nasdaq Global Market® (“Nasdaq”) under the symbol “NEWT.” On June 5, 2025, the last reported sale price on Nasdaq of our common stock was $10.57 per share. Sales of our common stock, if any, under the prospectus supplement, as amended by this amendment and the accompanying prospectus may be made by any method permitted that is deemed an “at the market offering” as defined in Rule 415 under the Securities Act of 1933, as amended (the “Securities Act”), including sales made directly on or through Nasdaq or any other existing trading market in the United States for our common stock, sales made to or through a market maker other than on an exchange or otherwise, directly to the Placement Agents as principals, in negotiated transactions at market prices prevailing at the time of sale or at prices related to such prevailing market prices and/or in any other method permitted by law. If we and the Placement Agents agree on any method of distribution other than sales of shares of our common stock on or through Nasdaq or another existing trading market in the United States at market prices, we will file a further prospectus supplement providing all information about such offering as required by Rule 424(b) under the Securities Act.

The Placement Agents will receive a commission from us equal to 2.00% of the gross sales price of any shares of our common stock sold through the Placement Agents under the Amended and Restated Equity Distribution Agreement. The Placement Agents are not required to sell any specific number or dollar amount of our common stock, but will use their respective commercially reasonable efforts consistent with their sales and trading practices to sell the shares of