Company: NEWTP
Filing Date: 2025-08-13
Form Type: 424B2
Source: 0001587987-25-000144
Chunk: 59

Company: NewtekOne, Inc.
Filing Date: 2025-08-13
Form: 424B2
Chunk 59
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 for the depositary shares purchased in this offering on or about August [ ], 2025.

#### Commissions and Discounts
An underwriting discount of $[ ] per depositary share will be paid by the Company. This underwriting discount will also apply to any depositary shares purchased pursuant to the underwriters’ overallotment option. The underwriters have advised us that they propose initially to offer the depositary shares to the public at the public offering price set forth on the cover of this prospectus supplement and to certain dealers at that price less a concession not in excess of $[ ] per depositary share. Any such dealers may resell depositary shares to certain other brokers or dealers at a discount of up to $[ ] per depositary share. After the initial public offering of the depositary shares, the offering price and other selling terms may be changed by the underwriters.

The following table shows the total underwriting discounts and commissions that we are to pay to the underwriters in connection with this offering. The information assumes either no exercise or full exercise by the underwriters of their overallotment option.

<div align='center'>S-49</div>

|                      |     | No Exercise |     | Full Exercise |
| Per Depositary Share |     |             |     |               |
| Total                |     |             |     |               |

The Company estimates expenses payable by the Company in connection with this offering, other than, in each case, underwriting discounts and commissions, will be approximately $[ ]. This estimate reflects that the Company may reimburse the underwriters for certain of their reasonable out-of-pocket expenses incurred in connection with their engagement as underwriters, including certain expenses attributable to legal fees and marketing, syndication and travel. The underwriters may also reimburse the Company for certain of the Company’s expenses related to the offering.

#### Overallotment Option
We have granted an option to the underwriters to purchase up to an additional [ ] depositary shares at the public offering price, less the underwriting discounts and commissions, within 30 days from the date of this prospectus supplement solely to cover any overallotments, if any. If the underwriters exercise this option, each will be obligated, subject to conditions contained in the underwriting agreement, to purchase a number of additional depositary shares proportionate to that underwriter’s initial number of depositary shares reflected in the table above.

#### No Sales of Similar Securities
We have agreed not to directly or indirectly offer, sell, short sell or otherwise dispose of