Company: NEWTP
Filing Date: 2025-11-18
Form Type: S-4
Source: 0001628280-25-052855
Chunk: 3

Company: NewtekOne, Inc.
Filing Date: 2025-11-18
Form: S-4
Chunk 3
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8 of this prospectus for a discussion of factors you should consider in evaluating this Exchange Offer.

The securities offered by this prospectus are not savings accounts, deposits or other obligations of any of the Company’s bank or non-bank subsidiaries and are not insured by the Federal Deposit Insurance Corporation (“FDIC”) or any other government agency or insurer.

None of the Company, the Exchange Agent, the Information Agent and the Dealer Manager or any other person is making any recommendation as to whether you should participate in the Exchange Offer. Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

<div align='center'>Dealer Manager:</div>

#### Lucid Capital Markets

#### Prospectus dated

#### , 2025.
<div align='center'>-iii-</div>

| TABLE OF CONTENTS                                 |     |        |
|                                                   |     | Page   |
| WhereYouCan Find More Information                 |     | ’-v-   |
| Incorporation of Certain Information By Reference |     | ’-vi-  |
| Forward-Looking Statements                        |     | ’-vii- |
| Summary                                           |     | ’-1-   |
| Risk Factors                                      |     | ’-8-   |
| Use of Proceeds                                   |     | ’-13-  |
| Capitalization                                    |     | ’-14-  |
| The Exchange Offer                                |     | ’-15-  |
| Description of the New Notes                      |     | ’-22-  |
| Comparison of Rights of Securityholders           |     | ’-30-  |
| Book-Entry Issuance                               |     | ’-40-  |
| U.S. Federal Income Tax Considerations            |     | ’-44-  |
| Legal Matters                                     |     | ’-50-  |
| Experts                                           |     | ’-50-  |

We are only responsible for the information incorporated by reference or provided in this prospectus or included elsewhere in the registration statement of which this prospectus is a part. We have not authorized anyone to provide you with different information. We are not making an offer to sell or soliciting an offer to buy these securities in any jurisdiction in which the offer or solicitation is not authorized or in which the person making the offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make