Company: NEWTP
Filing Date: 2025-06-06
Form Type: 424B5
Source: 0001587987-25-000104
Chunk: 10

Company: NewtekOne, Inc.
Filing Date: 2025-06-06
Form: 424B5
Chunk 10
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 set forth in the table below. In addition, the price per share of any such sale may be greater or less than $10.57, depending on the market price of our common stock at the time of any such sale.

The following table sets forth our capitalization as of March 31, 2025:

• on an actual basis; and

• on an as adjusted basis to give effect to the transactions above and assumed sale of up all of the 3,900,000 shares of common stock remaining available under the Amended and Restated Equity Distribution Agreement, the prospectus supplement, as amended by this amendment and the accompanying prospectus at a price of $10.57 per share (the last reported sale price per share of our common stock on June 5, 2025), after deducting the estimated commissions of approximately $824,460 and estimated offering expenses of approximately $200,000 payable by us.

You should read this table together with “ Use of Proceeds ” and financial statements and related notes thereto included elsewhere in or incorporated by reference to the prospectus supplement and the accompanying prospectus.

|                                       |     | As of March 31, 2025     |     |           |     |             |     |           |
|:--------------------------------------|:----|:-------------------------|:----|----------:|:----|:------------|:----|----------:|
|                                       |     | Actual                   |     |           |     | As Adjusted |     |           |
|                                       |     | -in thousands, unaudited |     |           |     |             |     |           |
| Assets:                               |     |                          |     |           |     |             |     |           |
| Cash                                  |     | $                        |     |    10,201 |     | $           |     |    50,400 |
| Other assets                          |     |                          |     | 2,126,536 |     |             |     | 2,126,536 |
| Total assets                          |     | $                        |     | 2,136,737 |     | $           |     | 2,176,936 |
| Liabilities:                          |     |                          |     |           |     |             |     |           |
| Long-term debt(1)                     |     |                          |     |           |     |             |     |           |
| Senior notes                          |     |                          |     |           |     |             |