Company: NEWTP
Filing Date: 2025-11-25
Form Type: S-4/A
Source: 0001628280-25-054014
Chunk: 7

Company: NewtekOne, Inc.
Filing Date: 2025-11-25
Form: S-4/A
Chunk 7
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 achieve its objectives;

• the impact of a protracted decline in the liquidity of credit markets on our business;

• the adequacy of our cash resources and working capital;

• our ability to operate as a financial holding company and increased compliance and other costs associated with such operations;

• our ability to adequately manage liquidity, deposits, capital levels and interest rate risk;

• our ability to operate our subsidiary Newtek Bank, a national bank regulated and supervised by the Office of the Comptroller of the Currency (“OCC”), and increased compliance and other costs associated with such operations; and

• the timing of cash flows, if any, from the operations of our subsidiaries.

These statements are not guarantees of future performance and are subject to risks, uncertainties, and other factors, some of which are beyond our control and difficult to predict and could cause actual results to differ materially from those expressed or forecasted in the forward-looking statements, including without limitation:

• an economic downturn could impair our and our subsidiaries’ ability to continue to operate or repay their borrowings, which could adversely affect our results;

• a contraction of available credit and/or an inability to access the equity markets, which could impair our lending and business activities;

• changing interest rates (including credit spreads) and the impacts on macroeconomic conditions and Company’s profitability, returns, and results of operations, which include but are not limited to, interest income and expense and valuations of assets measured at fair value;

• interest rate volatility, which could adversely affect our results;

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• changes to the federal Section 7(a) loan program (the “SBA 7(a) Program”), including recent revisions to SBA Standard Operating Procedure (“SOP”) as well as the impact of the recent Federal government shutdown on the SBA, including the SBA 7(a) Program and SBA 504 program, each of which were frozen as a result of the recently ended Federal government shutdown and could materially and adversely affect Newtek Bank’s lending business; and impacts to financial markets and the global macroeconomic and geopolitical environment, including higher inflation and its impacts; and

• the risks, uncertainties and other factors we identify in “ Risk Factors ” and elsewhere in this prospectus, including the documents we incorporate by reference.

Although we believe that the assumptions on which these forward-looking statements are based are reasonable, any of those assumptions could prove to be inaccurate, and as