Company: NEWTP
Filing Date: 2025-11-20
Form Type: S-4/A
Source: 0001628280-25-053421
Chunk: 4

Company: NewtekOne, Inc.
Filing Date: 2025-11-20
Form: S-4/A
Chunk 4
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1 to Newtek’s Current Report on Form 8-K, filed August 31, 2023).                                                 |
|             |     |  4.5 |     | Form of Fourth Supplemental Indenture, by and between Newtek, as issuer, and U.S. Bank Trust Company, National Association, as trustee in respect of the 8.50% Fixed Rate Senior Notes due 2031*                                                                                                |
|             |     |  4.6 |     | Form of Global Note for 8.50% Fixed Rate Senior Notes due 2031 (included in Exhibit 4.5).*                                                                                                                                                                                                      |
|             |     |  5.1 |     | Opinion of Michael A. Schwartz.**                                                                                                                                                                                                                                                               |
|             |     | 23.1 |     | Consent of RSM US LLP.*                                                                                                                                                                                                                                                                         |
|             |     | 23.2 |     | Consent of Michael A. Schwartz (included in Exhibit 5.1). **                                                                                                                                                                                                                                    |
|             |     | 24.1 |     | Power of Attorney (included on signature page).                                                                                                                                                                                                                                                 |
|             |     | 25.1 |     | Form T-1 Statement of Eligibility under Trust Indenture Act of 1939, as amended, of U.S. Bank Trust Company, National Association, as Trustee.*                                                                                                                                                 |
|             |     | 99.1 |     | Form of Letter of Transmittal.*                                                                                                                                                                                                                                                                 |
|             |     | 99.2 |     | Form of Exchange Agent Agreement.**                                                                                                                                                                                                                                                             |
| 107         |     |      |     | Filing Fee Table***                                                                                                                                                                                                                                                                             |

*Previously filed ** To be filed by subsequent amendment *** Filed herewith

## Item 22. Undertakings
The Registrant hereby undertakes:

(1) To file, during any period in which offers or sales are being made, a post-effective amendment to the registration statement:

(i) to include any prospectus required by Section 10(a)(3)of the Securities Act;

(ii) to reflect in the prospectus any facts or events after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any

<div align='center'>II-2</div>

increase or decrease in volume of securities offered (