NewtekOne, Inc. Extends Exchange Offer for 5.50% Notes Due 2026

Overview of the Extended Exchange Offer

NewtekOne, Inc. (“NewtekOne”; stock symbol NEWT) has announced an extension for its Exchange Offer concerning its 5.50% Notes due 2026 (the “Old Notes”). The expiration date has been moved to January 23, 2026, allowing additional time for holders of Old Notes to exchange them for an equal principal amount of newly issued 8.50% Fixed Rate Senior Notes due 2031 (the “New Notes”). This extension is designed to facilitate the transition of the Old Notes before their maturity on February 1, 2026.

Details of the Exchange Offer

The new expiration time for the Exchange Offer is set for 5:00 p.m. Eastern time on January 23, 2026, unless NewtekOne decides to extend or terminate it earlier. To successfully tender an Old Note before the expiration, it must be validly submitted and not withdrawn by the holder.

The anticipated settlement date for the Exchange Offer will follow shortly after the expiration, projected to be on January 28, 2026.

It is important to note that due to the timing, any holder of the Old Notes recorded by January 15, 2026 will receive the final interest payment, regardless of whether they participate in the Exchange Offer.

Exchange Offer Mechanics

• Old Notes: 5.50% Notes due 2026
• New Notes: 8.50% Fixed Rate Senior Notes due 2031
• Expiration Date: January 23, 2026, at 5:00 p.m. ET
• Settlement Date: January 28, 2026 (estimated)
• Final Interest Payment Record Date: January 15, 2026

The terms of the Exchange Offer, apart from the expiration date extension, remain unchanged.

Agent and Manager Information

NewtekOne has appointed several parties to facilitate the Exchange Offer:

• Exchange Agent: U.S. Bank Trust Company, National Association
• Information Agent: Alliance Advisors
• Dealer Manager: Lucid Capital Markets, LLC

For inquiries regarding the Exchange Offer, including requests for a prospectus or the letter of transmittal, contact the respective agents using the information provided in the prospectus.

Important Information for Holders

This announcement is for informational purposes only and constitutes neither an offer nor a solicitation for buying or selling Old Notes or New Notes. The Exchange Offer is contingent upon a prospectus that has been filed with the SEC as part of NewtekOne’s Registration Statement on Form S-4.

Holders of Old Notes should review the prospectus carefully to understand the material differences in the terms and rights between the Old Notes and the New Notes.

About NewtekOne, Inc.

NewtekOne®, known as Your Business Solutions Company®, is a financial holding company that offers an extensive range of business and financial solutions tailored for independent business owners. Since 1999, NewtekOne has provided innovative products and services designed to enhance efficiency and reduce risks for its clients across all 50 states.

NewtekOne's offerings include, but are not limited to:

• Banking (Newtek Bank, N.A.)
• Business Lending and SBA Lending Solutions
• Electronic Payment Processing
• Accounts Receivable and Inventory Financing
• Insurance and Payroll Solutions
• Technology Solutions (Cloud Computing, IT Consulting, Web Services)

Forward-Looking Statements

Certain statements within this release may be classified as “forward-looking statements” as defined by the Private Securities Litigation Reform Act of 1995. These projections reflect current beliefs and expectations of NewtekOne’s management but are subject to significant risks and uncertainties. Actual results may differ materially. For more information on risks, please refer to NewtekOne’s filings with the Securities and Exchange Commission available on their website and the SEC’s website.