Company: NEWTP
Filing Date: 2025-12-01
Form Type: 424B3
Source: 0001628280-25-054371
Chunk: 1

Company: NewtekOne, Inc.
Filing Date: 2025-12-01
Form: 424B3
Chunk 1
---
 not participate in this Exchange Offer it is expected that your Old Notes will be repaid by the Company on the maturity date.

#### The New Notes
The New Notes will be senior, unsecured obligations of the Company, will mature on February 1, 2031 and will bear interest at a rate of 8.50% per annum, payable quarterly. See “Description of the New Notes.”

#### See “

#### Risk Factors
“ beginning on page 8 of this prospectus for a discussion of factors you should consider in evaluating this Exchange Offer.

The securities offered by this prospectus 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.

None of the Company, the Exchange Agent, the Information Agent and the Dealer Manager or any other person is making any recommendation as to whether you should participate in the Exchange Offer. Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

<div align='center'>Dealer Manager:</div>

#### Lucid Capital Markets

#### Prospectus dated December 1, 2025.
<div align='center'>-i-</div>

| TABLE OF CONTENTS                                 |     |        |
|                                                   |     | Page   |
| Where You Can Find More Information               |     | ’-iii- |
| Incorporation of Certain Information By Reference |     | ’-iv-  |
| Forward-Looking Statements                        |     | ’-v-   |
| Summary                                           |     | ’-1-   |
| Risk Factors                                      |     | ’-8-   |
| Use of Proceeds                                   |     | ’-13-  |
| Capitalization                                    |     | ’-14-  |
| The Exchange Offer                                |     | ’-15-  |
| Description of the New Notes                      |     | ’-22-  |
| Comparison of Rights of Securityholders           |     | ’-30-  |
| Book-Entry Issuance                               |     | ’-40-  |
| U.S. Federal Income Tax Considerations            |     | ’-44-  |
| Legal Matters                                     |     | ’-50-  |
| Experts                                           |     | ’-50-  |

We are only responsible for the information