Company: NEWTP
Filing Date: 2025-11-18
Form Type: S-4
Source: 0001628280-25-052855
Chunk: 0

Company: NewtekOne, Inc.
Filing Date: 2025-11-18
Form: S-4
Chunk 0
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<div align='center'>As filed with the Securities and Exchange Commission on November 18, 2025.</div>

#### Registration No. 333-

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM S‑4

### REGISTRATION STATEMENT

#### UNDER THE SECURITIES ACT OF 1933

#### NewtekOne, Inc.
<div align='center'>(Exact name of registrant as specified in its charter)</div>

| MARYLAND                                                       |     |                                                    6021 |     | 46-3755188                          |
| (State or other jurisdiction of incorporation or organization) |     | -Primary Standard Industrial Classification Code Number |     | -I.R.S. Employer Identification No. |

#### 4800 T Rex Avenue, Suite 120

#### Boca Raton, Florida 33431
<div align='center'>(212) 356-9500

(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)</div>

#### Barry Sloane

#### Chief Executive Officer and President

#### NewtekOne, Inc.

#### 4800 T Rex Avenue, Suite 120

#### Boca Raton, FL 33431
<div align='center'>(212) 356-9500

(Name, address, including zip code, and telephone number, including area code, of agent for service)</div>

<div align='center'>Copy to:</div>

#### Jared M. Fishman

#### Sullivan & Cromwell LLP

#### 125 Broad Street

#### New York, New York 10004-2497
<div align='center'>(212) 558-4000</div>

Approximate date of commencement of proposed sale of the securities to the public: As soon as practicable after this registration statement becomes effective.

If the securities being registered on this Form are being offered in connection with the formation of a holding company and there is compliance with General Instruction G, check the following box. ¨

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ¨

If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering