Company: NEWTP
Filing Date: 2025-12-01
Form Type: 424B3
Source: 0001628280-25-054371
Chunk: 63

Company: NewtekOne, Inc.
Filing Date: 2025-12-01
Form: 424B3
Chunk 63
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 not tender their Old Notes or whose Old Notes are not accepted for exchange in the Exchange Offer.

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### LEGAL MATTERS
Certain legal matters in connection with the securities offered by this prospectus will be passed upon for us by Michael A. Schwartz, Chief Legal Officer and Corporate Secretary of the Company.

### EXPERTS
The consolidated financial statements of NewtekOne, Inc. and its subsidiaries as of December 31, 2024 and 2023 and for each of the years in the three-year period ended December 31, 2024 and the effectiveness of internal control over financial reporting as of December 31, 2024 incorporated in this prospectus by reference from the Annual Report on Form 10-K for the year ended December 31, 2024 have been audited by RSM US LLP, an independent registered public accounting firm, as stated in their reports thereon, incorporated herein by reference, in this prospectus in reliance upon such reports and upon the authority of such firm as experts in accounting and auditing.

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<div align='center'>The Information Agent for the Exchange Offer is:</div>

#### Alliance Advisors
<div align='center'>The Overlook Corporate Center

150 Clove Road Suite 400

Little Falls Township, NJ 07424

Attention: Tyler Herka

Email: NEWT@AllianceAdvisors.com

For Confirmation by Telephone:

1-855-206-1406

The Dealer Manager for the Exchange Offer is:</div>

| Lucid Capital Markets, LLC       |
| 570 Lexington Avenue, 40th Floor 
 New York, NY 10022               |
| Attention: Jeffrey Caliva        |
| Email: jcaliva@lucidcm.com       |