Company: NEWTP
Filing Date: 2025-06-06
Form Type: 424B5
Source: 0001587987-25-000104
Chunk: 2

Company: NewtekOne, Inc.
Filing Date: 2025-06-06
Form: 424B5
Chunk 2
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 our common stock offered by the prospectus supplement, as amended by this amendment and the accompanying prospectus. See “ Plan of Distribution ” beginning on page S-9 of the prospectus supplement. In connection with the sale of the common stock on our behalf, each Placement Agent may be deemed to be an “underwriter” within the meaning of the Securities Act, and the compensation of the Placement Agents may be deemed to be underwriting commissions or discounts.

Investing in our common stock involves significant risks. Please read the information contained in or incorporated by reference under the heading “

#### Risk Factors
” beginning on page S-6 of the prospectus supplement, the risks described in “Risk Factors” in our most recent Annual Report on Form 10-K, as updated by our subsequent Quarterly Reports on Form 10-Q, which are incorporated by reference into the prospectus supplement and the accompanying prospectus, and under similar headings in other documents filed after the date hereof and incorporated by reference into the prospectus supplement and the accompanying prospectus for a discussion of the factors you should carefully consider before deciding to invest in our common stock.

None of the U.S. Securities and Exchange Commission (the “SEC”), any state securities commission, the Board of Governors of the Federal Reserve System (the “Federal Reserve”) or the Office of the Comptroller of the Currency (the “OCC”) has approved or disapproved of the common stock nor have any of the foregoing authorities determined if the prospectus supplement, as amended by this amendment is truthful or complete. Any representation to the contrary is a criminal offense. Shares of our common stock to be offered and sold pursuant to the prospectus supplement, as amended by this amendment will not be savings accounts, deposits or other obligations of any bank or non-bank subsidiary of ours and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency.

| Keefe, Bruyette & WoodsA Stifel Company |     | B. Riley Securities   |     | Cantor              |
| Compass Point                           |     | H.C. Wainwright & Co. |     | Hovde Group, LLC    |
| Ladenburg Thalmann                      
 Roth Capital Partners                   |     | Lucid Capital Markets |     | Raymond James       
 UBS Investment Bank |

<div align='center'>Amendment No. 1 to Prospectus Supplement dated June 6, 2025.</div>

### TABLE OF CONTENTS

#### AMENDMENT NO. 1 TO PROSPECT