SCHEDULE 13D 0001853178 XXXXXXXX LIVE Common Stock 09/16/2025 false 0001587987 652526203 NEWTEKONE, INC.

4800 T Rex Avenue, Suite 120 Boca Raton FL 33431

James Murphy (215) 399-4650 Four Radnor Corporate Center 100 Matsonford Road Suite 210 Radnor PA 19087 0001853178 N Patriot Financial Partners IV, L.P. a WC N DE 0.00 2307692.00 0.00 2307692.00 2307692.00 N 8.06 PN This calculation is based on 26,317,000 shares of Common Stock of the Issuer outstanding as of June 30, 2025, as reported in the Issuer's Form 10-Q filed on August 8, 2025, plus the 2,307,692 shares of Common Stock of the Issuer issued to Patriot Financial Partners IV, L.P. and Patriot Financial Partners Parallel IV, L.P. on September 16, 2025. 0001929137 N Patriot Financial Partners Parallel IV, L.P. a AF N DE 0.00 2307692.00 0.00 2307692.00 2307692.00 N 8.06 PN This calculation is based on 26,317,000 shares of Common Stock of the Issuer outstanding as of June 30, 2025, as reported in the Issuer's Form 10-Q filed on August 8, 2025, plus the 2,307,692 shares of Common Stock of the Issuer issued to Patriot Financial Partners IV, L.P. and Patriot Financial Partners Parallel IV, L.P. on September 16, 2025. 0002079602 N Patriot Financial Partners GP IV, L.P. a AF N DE 0.00 2307692.00 0.00 2307692.00 2307692.00 N 8.06 PN This calculation is based on 26,317,000 shares of Common Stock of the Issuer outstanding as of June 30, 2025, as reported in the Issuer's Form 10-Q filed on August 8, 2025, plus the 2,307,692 shares of Common Stock of the Issuer issued to Patriot Financial Partners IV, L.P. and Patriot Financial Partners Parallel IV, L.P. on September 16, 2025. 0002079603 N Patriot Financial Partners GP IV, LLC a AF N DE 0.00 2307692.00 0.00 2307692.00 2307692.00 N 8.06 OO This calculation is based on 26,317,000 shares of Common Stock of the Issuer outstanding as of June 30, 2025, as reported in the Issuer's Form 10-Q filed on August 8, 2025, plus the 2,307,692 shares of Common Stock of the Issuer issued to Patriot Financial Partners IV, L.P. and Patriot Financial Partners Parallel IV, L.P. on September 16, 2025. 0000949197 N W. Kirk Wycoff a AF N PA 0.00 2307692.00 0.00 2307692.00 2307692.00 N 8.06 IN This calculation is based on 26,317,000 shares of Common Stock of the Issuer outstanding as of June 30, 2025, as reported in the Issuer's Form 10-Q filed on August 8, 2025, plus the 2,307,692 shares of Common Stock of the Issuer issued to Patriot Financial Partners IV, L.P. and Patriot Financial Partners Parallel IV, L.P. on September 16, 2025. 0001561111 N James F. Deutsch a AF N PA 0.00 2307692.00 0.00 2307692.00 2307692.00 N 8.06 IN This calculation is based on 26,317,000 shares of Common Stock of the Issuer outstanding as of June 30, 2025, as reported in the Issuer's Form 10-Q filed on August 8, 2025, plus the 2,307,692 shares of Common Stock of the Issuer issued to Patriot Financial Partners IV, L.P. and Patriot Financial Partners Parallel IV, L.P. on September 16, 2025. Common Stock NEWTEKONE, INC. 4800 T Rex Avenue, Suite 120 Boca Raton FL 33431 The following are members of the Patriot Financial Group: Patriot Financial Partners IV, L.P. a Delaware limited partnership ("Patriot Fund IV"); Patriot Financial Partners Parallel IV, L.P. a Delaware limited partnership ("Patriot Fund Parallel IV"); Patriot Financial Partners IV GP, L.P., a Delaware limited partnership and the general partner of Patriot Fund IV ("Patriot IV GP"); Patriot Financial Partners IV GP, LLC, a Delaware limited liability company and general partner of Patriot IV GP ("Patriot IV LLC"); and W. Kirk Wycoff and James F. Deutsch, each of whom serve as general partners of Patriot Fund IV, Patriot Fund Parallel IV, and Patriot IV GP, are members of Patriot IV LLC, are members of the investment committee of Patriot Fund IV. The business address of each member of the Patriot Financial Group is c/o Patriot Financial Partners IV, L.P., 100 Matsonford Road, Suite 210, Radnor, Pennsylvania 19087. Patriot Fund IV is a private equity fund focused on investing in community banks and financial service-related companies throughout the United States. Patriot Fund Parallel IV is a parallel private equity fund to Patriot Fund IV. The principal business of Patriot IV GP is to serve as the general partner of and to manage Fund IV Funds. The principal business of Patriot IV LLC is to serve as the general partner of and to manage Patriot GP IV. The principal employment of Messrs. Wycoff and Deutsch is investment management with Patriot Fund IV, Patriot Fund Parallel IV, Patriot IV GP and Patriot IV LLC, as well as other "Patriot Financial Partners" entities and funds. During the last five years, no member of the Patriot Financial Group has been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors). During the last five years, no member of the Patriot Financial Group has been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction and as a result of such proceeding was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws. Each natural person who is a member of the Patriot Financial Group is a citizen of the United States. Patriot Fund IV used working capital to fund the purchase of shares of Common Stock of the Company. Patriot Fund IV acquired shares of the Company (the "Acquired Shares") for investment purposes. Except as otherwise described herein or in Item 6 below, no member of the Patriot Financial Group has any plans or proposals that relate to or would result in any of the transactions described in subparagraphs (a) through (j) of Item 4 of Schedule 13D. Subject to the limitations imposed by applicable federal and state securities laws, Patriot Financial Group may dispose of the Acquired Shares from time to time, subject to market conditions and other investment considerations, and may cause the Acquired Shares to be distributed in kind to investors. To the extent permitted by applicable bank regulatory limitations, each member of the Patriot Financial Group may directly or indirectly acquire additional shares of Common Stock or associated rights or securities exercisable for or convertible into Common Stock, depending upon an ongoing evaluation of its investment in the Common Stock, applicable legal restrictions, prevailing market conditions, liquidity requirements of such member of the Patriot Financial Group and/or investment considerations. Sole Power to Shared Power to Amount Sole Power to Shared Power Dispose or to Dispose or Beneficially Percent of Vote or Direct to Vote or Direct the Direct the Entity Owned Class the Vote Direct the Vote Disposition Disposition Patriot Fund IV 2,307,692 8.06% 0 2,307,692 0 2,307,692 Patriot Fund Parallel IV 2,307,692 8.06% 0 2,307,692 0 2,307,692 Patriot IV GP 2,307,692 8.06% 0 2,307,692 0 2,307,692 Patriot IV LLC 2,307,692 8.06% 0 2,307,692 0 2,307,692 W. Kirk Wycoff 2,307,692 8.06% 0 2,307,692 0 2,307,692 James F. Deutsch 2,307,692 8.06% 0 2,307,692 0 2,307,692 See (a) immediately above. On September 16, 2025, the Issuer entered into a Securities Purchase and Exchange Agreement (the "Purchase and Exchange Agreement") with Patriot Fund IV and Patriot Fund Parallel IV (together, "Patriot"). Pursuant to the Purchase and Exchange Agreement, Patriot and the Issuer agreed that in exchange for (i) all of the 20,000 outstanding shares of the Issuer's Series A Convertible Preferred Stock originally issued to Patriot for an aggregate purchase price of $20 million and (ii) $10 million in cash, the Issuer issued to Patriot 2,307,692 shares of the Company's Common Stock. Other than the Patriot Financial Group, no other person has the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the securities of the Company referred to in this Item 5. N/A N/A Joint Filing Agreement, dated as of September 22, 2025, by and among Patriot Financial Partners IV, L.P., Patriot Financial Partners Parallel IV, L.P., Patriot Financial Partners GP IV, L.P., Patriot Financial Partners GP IV, LLC, W. Kirk Wycoff and James F. Deutsch, attached hereto as Exhibit 1. Patriot Financial Partners IV, L.P. /s/W. Kirk Wycoff 09/22/2025 Patriot Financial Partners Parallel IV, L.P. /s/W. Kirk Wycoff 09/22/2025 Patriot Financial Partners GP IV, L.P. /s/W. Kirk Wycoff 09/22/2025 Patriot Financial Partners GP IV, LLC /s/W. Kirk Wycoff 09/22/2025 W. Kirk Wycoff /s/W. Kirk Wycoff 09/22/2025 James F. Deutsch /s/James F. Deutsch 09/22/2025