Company: NEWTP
Filing Date: 2025-08-15
Form Type: 424B2
Source: 0001587987-25-000152
Chunk: 66

Company: NewtekOne, Inc.
Filing Date: 2025-08-15
Form: 424B2
Chunk 66
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us is July 27, 2023.
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You should rely only on the information contained in this prospectus and any accompanying prospectus supplement. We have not authorized any dealer, salesman or other person to give any information or to make any representation other than those contained in this prospectus or any prospectus supplement to this prospectus. You must not rely upon any information or representation not contained in this prospectus or any such supplements as if we had authorized it. This prospectus and any such supplements do not constitute an offer to sell or a solicitation of any offer to buy any security other than the registered securities to which they relate, nor do they constitute an offer to sell or a solicitation of an offer to buy any securities in any jurisdiction to any person to whom it is unlawful to make such an offer or solicitation in such jurisdiction. The information contained in, or incorporated by reference in, this prospectus, any such supplements, or free writing prospectuses is, or will be, accurate as of the dates on their respective covers. Our business, financial condition, results of operations and prospects may have changed since then.

| ABOUT THIS PROSPECTUS.................................................................................................................................................             |     |  1 |
| PROSPECTUS SUMMARY....................................................................................................................................................             |     |  2 |
| RISK FACTORS...................................................................................................................................................................... |     | 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.................................................................................................................................................................     |     |