Company: NEWTP
Filing Date: 2025-11-18
Form Type: S-4
Source: 0001628280-25-052855
Chunk: 17

Company: NewtekOne, Inc.
Filing Date: 2025-11-18
Form: S-4
Chunk 17
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     7,862 |     |             |     7,862 |
| Other Long-Term Debt............................................................................................                                                               |     |                          |   226,738 |     |             |   226,738 |
| TOTAL LONG-TERM DEBT..........................................................................                                                                                 |     |                          |   758,968 |     |             |   758,968 |
| SHAREHOLDERS’ EQUITY                                                                                                                                                           |     |                          |           |     |             |           |
| Series B Non-Cumulative Perpetual Preferred stock, par value $0.02 per share; 54 shares authorized, 50 shares issued and outstanding.......................................... |     |                          |    48,181 |     |             |    48,181 |
| Common stock, par value $0.02 per share; 199,980 shares authorized, 28,876 and 24,680 shares issued and outstanding, respectively.........................................     |     |                          |       577 |     |             |       577 |
| Additional paid-in capital........................................................................................                                                             |     |                          |   255,963 |     |             |   255,963 |
| Retained earnings....................................................................................................                                                          |     |                          |    81,981 |     |             |    81,981 |
| Accumulated other comprehensive loss, net...........................................................                                                                           |     |                          |         5 |     |             |         5 |
| TOTAL SHAREHOLDERS’ EQUITY......................................................                                                                                               |     |                          |   386,707 |     |             |   386,707 |
| Total equity..................................................................................................                                                                 |     |                          |   386,707 |     |             |   386,707 |
| TOTAL CAPITALIZATION......................................................................                                                                                     |     | $                        | 2,399,099 |     | $           | 2,399,099 |

1 Long-term debt consists of debt with a maturity of one year or more at the time it is incurred. These amounts are presented at the gross principal amounts outstanding and exclude unamortized debt issuance costs and purchase accounting adjustments.

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### THE EXCHANGE OFFER

#### Purpose of the Exchange Offer
The purpose of the Exchange Offer is to provide holders an opportunity to continue holding a series of NewtekOne’s outstanding notes following the maturity of the Old Notes.

#### Terms of the Exchange Offer
The Company is offering