Company: NEWTP
Filing Date: 2025-08-15
Form Type: 424B2
Source: 0001587987-25-000152
Chunk: 58

Company: NewtekOne, Inc.
Filing Date: 2025-08-15
Form: 424B2
Chunk 58
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 at such purchasers generally, and such purchasers should consult and rely on their counsel and advisors as to whether an investment in the securities is suitable and consistent with ERISA, the Internal Revenue Code and any Similar Laws, as applicable.

Any purchaser or holder of the securities offered hereby or any interest therein will be deemed to have represented by its acquisition of the securities offered hereby that it either (1) is not a Plan, a Plan Asset

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Entity or a Non-ERISA Arrangement and is not purchasing the securities offered hereby on behalf of or with the assets of any Plan, Plan Asset Entity or Non-ERISA Arrangement or (2) the acquisition and holding of the securities offered hereby will not constitute a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Internal Revenue Code or a similar violation under any applicable Similar Laws.

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### UNDERWRITING
The Company is offering the depositary shares described in this prospectus supplement through a number of underwriters. The Company has entered into an underwriting agreement dated the date of this prospectus supplement with the underwriters listed below. Keefe, Bruyette & Woods, Inc. and Raymond James & Associates, Inc. are acting as representatives of the underwriters named below. Subject to the terms and conditions set forth in an underwriting agreement among the Company and the underwriters, the Company has agreed to sell to the underwriters, and each of the underwriters has agreed, severally and not jointly, to purchase from us, at the public offering price less the underwriting discounts set forth on the cover page of this prospectus supplement, the number of depositary shares set forth opposite its name below.

| Name of Underwriter              |     | Number of Depositary Shares |     |           |
| Keefe, Bruyette & Woods, Inc     |     |                             |     |   700,000 |
| Raymond James & Associates, Inc. |     |                             |     |   700,000 |
| Janney Montgomery Scott, LLC     |     |                             |     |   100,000 |
| Muriel Siebert & Co., LLC        |     |                             |     |   300,000 |
| B. Riley Securities, Inc.        |     |                             |     |   100,000 |
| Ladenburg Thalmann & Co.         |     |                             |