Company: NEWTP
Filing Date: 2025-08-13
Form Type: 424B2
Source: 0001587987-25-000144
Chunk: 66

Company: NewtekOne, Inc.
Filing Date: 2025-08-13
Form: 424B2
Chunk 66
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...................................... |     | 17 |
| CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS AND                                                                                                                      
 PROJECTIONS.................................................................................................................................................................       |     | 23 |
| USE OF PROCEEDS...............................................................................................................................................................     |     | 25 |
| SUMMARY OF THE SECURITIES WE MAY OFFER .......................................................................................................                                     |     | 26 |
| DESCRIPTION OF OUR CAPITAL STOCK.........................................................................................................................                          |     | 26 |
| DESCRIPTION OF OUR PREFERRED STOCK...................................................................................................................                              |     | 32 |
| DESCRIPTION OF OUR DEPOSITORY SHARES..............................................................................................................                                 |     | 33 |
| DESCRIPTION OF OUR SUBSCRIPTION RIGHTS............................................................................................................                                 |     | 35 |
| DESCRIPTION OF OUR WARRANTS.................................................................................................................................                       |     | 37 |
| DESCRIPTION OF OUR DEBT SECURITIES......................................................................................................................                           |     | 38 |
| DESCRIPTION OF UNITS.....................................................................................................................................................          |     | 52 |
| PLAN OF DISTRIBUTION.....................................................................................................................................................          |     | 53 |
| LEGAL MATTERS.................................................................................................................................................................     |     | 55 |
| EXPERTS........................................................................................                                                                                    |     | 55 |
| AVAILABLE INFORMATION..............................................................................................................................................                |     | 55 |
| INCORPORATION OF CERTAIN INFORMATION BY REFERENCE..............................................................................                                                    |     | 55 |

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### ABOUT THIS PROSPECTUS
This prospectus is part of a registration statement that we have filed with the SEC, using the “shelf” registration process. Under the shelf registration process, which constitutes a delayed offering in reliance on Rule 415 under the Securities Act of 1933 (the “Securities Act”), NewtekOne, Inc. may offer, from time to time, in one or more offerings, up to $500,000,000 of common stock, preferred stock, depositary shares, warrants, subscription rights, debt securities and/or units consisting of some or all of these securities, on terms to be determined at the time of each offering. We may sell our securities through underwriters or dealers, “at-the-market” to or through a market maker, into an existing trading market or otherwise directly to one or more purchasers or through agents or through a combination of methods of sale. The identities of such underwriters, dealers, market makers or agents, as the case may be, will be described in one or more supplements to this prospectus. The securities