Company: NEWTP
Filing Date: 2025-11-20
Form Type: S-4/A
Source: 0001628280-25-053421
Chunk: 1

Company: NewtekOne, Inc.
Filing Date: 2025-11-20
Form: S-4/A
Chunk 1
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 registration statement number of the earlier effective registration statement for the same offering. ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and " emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer ¨ Accelerated filer x

Non-accelerated filer ¨ Smaller reporting company ¨

Emerging growth company ¨

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.

If applicable, place an X in the box to designate the appropriate rule provision relied upon in conducting this transaction:

Exchange Act Rule 13-e-4(i) (Cross-Border Issuer Tender Offer) ¨

Exchange Act Rule 14-d-1(d) (Cross-Border Third-Party Tender Offer) ¨

The registrant hereby amends this Registration Statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a further amendment which specifically states that this Registration Statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the Registration Statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.

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### EXPLANATORY NOTE
This Amendment No. 1 to the Registration Statement on Form S-4 (Registration No. 333-291615) of NewtekOne, Inc. (the “Registrant”) filed on November 18, 2025 (the “Registration Statement”) is being filed solely to include signature notations that were inadvertently omitted from the signature pages of the initial filing of the Registration Statement due to technical error. This filing includes only Part II of the Registration Statement in order to provide the corrected signature pages. No other changes are being made to any part of the Registration Statement.

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# PART II

#### Information Not Required In Prospectus

## Item 20. Indemnification