Company: NEWTP
Filing Date: 2025-08-15
Form Type: 424B2
Source: 0001587987-25-000152
Chunk: 59

Company: NewtekOne, Inc.
Filing Date: 2025-08-15
Form: 424B2
Chunk 59
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 |   100,000 |
| Total                            |     |                             |     | 2,000,000 |

The underwriting agreement also provides that if an underwriter defaults, the purchase commitments of a non-defaulting underwriter may also be increased or the offering may be terminated. The offering of the depositary shares by the underwriters is subject to receipt and acceptance and subject to the underwriters’ right to reject any order in whole or in part.

The Company has agreed to indemnify the underwriters against certain liabilities, including liabilities under the Securities Act, or to contribute to payments the underwriters may be required to make in respect of those liabilities.

The underwriting agreement provides that the obligations of the underwriters to purchase the depositary shares are subject to approval of legal matters by counsel to the underwriters and certain other conditions, including the receipt by the underwriters of officers’ certificates and legal opinions. The underwriters reserve the right to withdraw, cancel or modify offers to the public and to reject orders in whole or in part. Investors must pay for the depositary shares purchased in this offering on or about August 20, 2025.

#### Commissions and Discounts
An underwriting discount of $0.7875 per depositary share will be paid by the Company. This underwriting discount will also apply to any depositary shares purchased pursuant to the underwriters’ overallotment option. The underwriters have advised us that they propose initially to offer the depositary shares to the public at the public offering price set forth on the cover of this prospectus supplement and to certain dealers at that price less a concession not in excess of $0.50 per depositary share. Any such dealers may resell depositary shares to certain other brokers or dealers at a discount of up to $0.45 per depositary share. After the initial public offering of the depositary shares, the offering price and other selling terms may be changed by the underwriters.

The following table shows the total underwriting discounts and commissions that we are to pay to the underwriters in connection with this offering. The information assumes either no exercise or full exercise by the underwriters of their overallotment option.

<div align='center'>S-49</div>

|                      |     | No Exercise |           |     | Full Exercise |           |
|:---------------------|:----|:------------|----------:|:----|:--------------|----------:|
| Per Depositary Share |     | $           |    0.7875 |