Company: NEWTP
Filing Date: 2025-06-06
Form Type: 424B5
Source: 0001587987-25-000104
Chunk: 3

Company: NewtekOne, Inc.
Filing Date: 2025-06-06
Form: 424B5
Chunk 3
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US SUPPLEMENT
|                                                                           |     | Page |
| About this Amendment No.1 to Prospectus Supplement                        |     | S-1  |
| Cautionary Statement Regarding Forward-Looking Statements and Projections |     | S-2  |
| The Offering                                                              |     | S-5  |
| Use of Proceeds                                                           |     | S-6  |
| Capitalization                                                            |     | S-7  |
| Plan of Distribution                                                      |     | S-9  |
| Legal Matters                                                             |     | S-11 |

<div align='center'>S-i

ABOUT THIS AMENDMENT NO.1 TO PROSPECTUS SUPPLEMENT</div>

Neither we nor the Placement Agents have authorized any other person to provide you with any information other than that contained or incorporated by reference in the prospectus supplement, as amended by this amendment, the accompanying prospectus or in any free writing prospectus that we prepare or distribute. Neither we nor the Placement Agents take any responsibility for, or provide any assurance as to the reliability of, any other information that others may give you.

We are not, and the Placement Agents are not, making an offer to sell our common stock in any jurisdiction where the offer or sale is not permitted. Neither the prospectus supplement, as amended by this amendment, nor the accompanying prospectus constitutes an offer of, or an invitation on our behalf or on behalf of the Placement Agents to subscribe for and purchase, any securities, and may not be used for or in connection with an offer or solicitation by anyone, in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. You should assume that the information contained or incorporated by reference into the prospectus supplement and the accompanying prospectus is accurate only as of the date on the front of this amendment. Our business, financial condition, results of operations and prospects may have changed since that date.

The prospectus supplement, as amended by this amendment, and the accompanying prospectus is part of an effective shelf registration statement on Form S-3 (File No. 333-269452) that was declared effective by the SEC on July 27, 2023. By using a shelf registration statement, the Company may sell, at any time and from time to time, in one or more offerings, any combination of the securities described in the prospectus supplement, as amended by this amendment, and the accompanying prospectus. As permitted by