Company: NEWTP
Filing Date: 2025-12-01
Form Type: 424B3
Source: 0001628280-25-054371
Chunk: 8

Company: NewtekOne, Inc.
Filing Date: 2025-12-01
Form: 424B3
Chunk 8
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| Governing Law.......................................       |     | The New Notes will be governed by and construed in accordance with the laws of the State of New York.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |

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| Sinking Fund...........................................                                                            |     | There is no sinking fund for the New Notes.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| Form and Denomination........................                                                                      |     | The New Notes will be issued as fully registered global notes which will be deposited with, or on behalf of, the DTC and registered, at the request of DTC, in the name of its nominee, Cede & Co. Beneficial interests in the global notes will be represented through book-entry accounts of financial institutions acting on behalf of beneficial owners as participants in DTC. Beneficial interests in the global notes must be held in minimum denominations of $25 or any amount in excess thereof which is an integral multiple of $25. |
| Listing......................................................                                                      |     | We intend to list the New Notes on Nasdaq within 30 days of the Settlement Date under the trading symbol “NEWTO.”                                                                                                                                                                                                                                                                                                                                                                                                                               |
| Risk Factors............................................                                                           |     | An investment in the New Notes involves risks. You should carefully consider the information set forth in the sections entitled “Risk Factors” beginning on page 8 of this prospectus, as well as other information included or incorporated by reference in this prospectus before deciding whether to invest in the New Notes.                                                                                                                                                                                                                |
| For additional information regarding the New Notes, please read “Description of the New Notes” in this prospectus. |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |

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#### Risk Factors
Your decision whether or not to participate in the Exchange Offer will involve risks. You should be aware of, and carefully consider, the following risk factors, along with all of the other information included or incorporated by reference in this prospectus, including the information included in the “Risk Factors,” “Business” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” sections of the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 and the “Management’s Discussion and Analysis of Financial Condition and Results of Operations” section of the Company’s Quarterly Reports on Form 10-Q for the periods ended March 31, 2025, June 30, 2025 and September 30,