Company: NEWTP
Filing Date: 2025-08-13
Form Type: 424B2
Source: 0001587987-25-000144
Chunk: 39

Company: NewtekOne, Inc.
Filing Date: 2025-08-13
Form: 424B2
Chunk 39
---
 unpaid dividends.

At any time following the five year anniversary of the issuance of the Series A Preferred Stock, the Company may, in its sole discretion, redeem all or any part of the then outstanding shares of Series A Preferred Stock at a price equal to the Issue Price, plus an amount equal to all accumulated but unpaid dividends. The Series A Preferred Stock is not redeemable at the option of the holders at any time.

The Series A Preferred Stock will be entitled to vote on an as-converted basis together with the holders of all outstanding shares of Common Stock. In addition, the holders of the Series A Preferred Stock shall be entitled to vote as a single class on (i) any amendment, alteration or repeal of any provision of the Articles of Incorporation or Articles Supplementary in respect of the Series A Preferred Stock that would adversely affect the rights, preferences, privileges or voting powers of the Series A Preferred Stock and or (ii) the consummation of any Reorganization Event (as defined in the Articles Supplementary in respect of the Series A Preferred Stock ) that would adversely affect the rights, preferences, privileges or voting powers of the Series A Preferred Stock.

#### Transfer Agent
Equiniti Trust Company, LLC will act as initial transfer agent for the Preferred Stock.

#### Calculation Agent
Unless the Company has validly called all shares of the Preferred Stock for redemption on the First Reset Date, the Company will appoint a calculation agent for the Preferred Stock prior to the reset determination date related to the First Reset Date. The Company may appoint itself or one of its affiliates as calculation agent.

#### Preemptive and Conversion Rights
Holders of the Preferred Stock does not have any preemptive or conversion rights.

<div align='center'>S-33</div>

### DESCRIPTION OF DEPOSITARY SHARES
In this prospectus supplement, references to “holders” of depositary shares mean those who own depositary shares registered in their own names, on the books that the Company or the depositary maintain for this purpose, and not indirect holders who own beneficial interests in depositary shares registered in street name or issued in book-entry form through DTC. Please review the special considerations that apply to indirect holders described in the “Book-Entry System” section of this prospectus supplement.

This prospectus supplement summarizes specific terms and provisions of the depositary shares representing the Preferred Stock. As described above under “Description of Preferred Stock” and elsewhere in this prospectus supplement, the Company is issuing fractional interests in shares of the Preferred Stock in the form of depositary shares. Each