Company: NEWTP
Filing Date: 2025-08-15
Form Type: 424B2
Source: 0001587987-25-000152
Chunk: 154

Company: NewtekOne, Inc.
Filing Date: 2025-08-15
Form: 424B2
Chunk 154
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One, Inc.

4800 T Rex Avenue, Suite 120

Boca Raton, Florida 33431

(212) 356-9500</div>

You should rely only on the information incorporated by reference or provided in this prospectus or any prospectus supplement. We have not authorized anyone to provide you with different or additional information, and you should not rely on such information if you receive it. We are not making an offer of or soliciting an offer to buy, any securities in any state or other jurisdiction where such offer or sale is not permitted. You should not assume that the information in this prospectus or in the documents incorporated by reference is accurate as of any date other than the date on the front of this prospectus or those documents.

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2,000,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 8.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B PROSPECTUS SUPPLEMENT August 13, 2025 Joint Book-Running Managers

| Keefe, Bruyette & WoodsA Stifel Company |     |               |     | Raymond James      |
|                                         |     | Lead Managers |     |                    |
| Janney Montgomery Scott                 |     |               |     | Siebert            |
| B. Riley Securities                     |     |               |     | Ladenburg Thalmann |

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