Company: NEWTP
Filing Date: 2025-06-06
Form Type: 424B5
Source: 0001587987-25-000104
Chunk: 6

Company: NewtekOne, Inc.
Filing Date: 2025-06-06
Form: 424B5
Chunk 6
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 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;

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

• impacts to financial markets and the global macroeconomic and geopolitical environment, including higher inflation and its impacts;

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• higher interest rates and the impacts on macroeconomic conditions and NewtekOne’s funding costs;

• changes to the U.S. Small Business Administration (“SBA”) 7(a) loan program, including recent revisions to the SBA Standard Operating Procedure; and

• the risks, uncertainties and other factors we identify in “ Risk Factors ” and elsewhere in the prospectus supplement or any applicable free writing 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 a result, the forward-looking statements based on those assumptions also could be inaccurate. Important assumptions include the ability of Newtek Bank to originate loans under the SBA 7(a) program, maintain preferred lender program status, sell SBA guaranteed portions of SBA 7(a) loans at premiums and grow deposits; our ability to originate new loans; our subsidiaries’ ability to generate revenue and obtain and maintain certain margins and levels of profitability; and the availability of additional capital. In light of these and other uncertainties, the inclusion of a projection or forward-looking statement in the prospectus supplement, including the documents that we incorporate by reference therein, and any applicable free writing prospectus, including the documents we incorporate by reference therein, should not be regarded as a representation by us that our plans and objectives will be achieved. These risks and uncertainties include those described or identified in Part I “Item 1A. Risk Factors” in our most recent Annual Report on Form 10-K and in any subsequent filings we have made with the SEC that are incorporated by reference into the prospectus supplement, together with other information in the prospectus supplement, the documents incorporated by reference therein, and any free writing prospectus that we may authorize for use in connection with this offering.

You should not place undue reliance on these forward-looking statements, which apply only as of the respective dates of this amendment, the prospectus supplement and the accompanying prospectus, as applicable. And while we believe such information forms, or will form, a reasonable