{"url_path":"/sec/newtp/10-q/2026/item-6","section_key":"item-6","section_title":"Item 6 [Exhibits](#i2582aed425bc4584a92e9573cb32abee_1156)","topic":"sec","document":{"doc_type":"10-Q","doc_date":"2026-05-08","source_url":"https://www.sec.gov/Archives/edgar/data/1587987/0001587987-26-000004-index.html","accession_number":"0001587987-26-000004","cik":"0001587987","ticker":"NEWT","issuer_name":"NewtekOne, Inc.","edgar_url":"https://www.sec.gov/Archives/edgar/data/1587987/0001587987-26-000004-index.html","primary_entity_key":"0001587987","primary_entity_name":"NewtekOne, Inc."},"word_count":853,"has_tables":true,"body_markdown":"Item 6.\n[Exhibits](#i2582aed425bc4584a92e9573cb32abee_1156)\n\n[94](#i2582aed425bc4584a92e9573cb32abee_1156)\n\n[Signatures](#i2582aed425bc4584a92e9573cb32abee_508)\n\n[95](#i2582aed425bc4584a92e9573cb32abee_508)\n\n[Table of Contents](#i2582aed425bc4584a92e9573cb32abee_1021)\n\nDefined Terms\n\nWe have used “we,” “us,” “our,” “our company,” and “the Company” to refer to NewtekOne, Inc. and its subsidiaries in this report. We also have used several other terms in this report, which are explained or defined below:\n\nTerms\n\n1940 ActInvestment Company Act of 1940, as amended\n\n2021-1 TrustNewtek Small Business Loan Trust, Series 2021-1\n\n2022-1 TrustNewtek Small Business Loan Trust, Series 2022-1\n\n2023-1 TrustNewtek Small Business Loan Trust, Series 2023-1\n\n2025-1 TrustNALP Business Loan Trust, Series 2025-1\n\n2026-1 TrustNALP Business Loan Trust, Series 2026-1\n\nUnconsolidated TrustsCollectively, the 2025-1 Trust and 2026-1 Trust\n\n2024 Notes5.75% Notes due 2024, matured August 1, 2024\n\n2025 5.00% Notes\n5.00% Notes due 2025, matured March 31, 2025\n\n2025 8.125% Notes\n8.125% Notes due 2025, exchanged for 2027 Notes\n\n2025 Notes\nCollectively, the 2025 5.00% Notes and 2025 8.125% Notes\n\n2026 Notes5.50% Notes due 2026, matured February 1, 2026\n\n2027 Notes\n\n8.125% Notes due 2027\n\n2028 Notes\n\n8.00% Notes due 2028\n\n2029 8.50% Notes8.50% Notes due 2029\n\n2029 8.625% Notes8.625% Notes due 2029\n\n2029 NotesCollectively, the 2029 8.50% Notes and 2029 8.625% Notes\n\n2030 Notes\n\n8.375% Notes due 2030\n\n2031 Notes8.50% Notes due 2031\n\n2033 Notes8.375% Notes due 2033\n\nABLAsset based lending\n\nACLAllowance for credit losses\n\nAcquisitionThe Company’s Acquisition of NBNYC, pursuant to which the Company acquired from the NBNYC shareholders all of the issued and outstanding stock of NBNYC\n\nALP\n\nAlternative Lending Program\n\nASCAccounting Standards Codification, as issued by the FASB\n\nASUAccounting Standards Updates, as issued by the FASB\n\nOriginal ATM Equity Distribution Agreement\n\nThe Original ATM Equity Distribution Agreement, dated November 17, 2023, by and among the Company and the placement agents\n\nAmended and Restated Equity Distribution Agreement\n\nThe Amended and Restated Equity Distribution Agreement, dated June 6, 2025, by and among the Company and the placement agents\n\nBDCBusiness Development Company under the 1940 Act\n\nBHCA\n\nBank Holding Company Act of 1956\n\nBoardThe Company's board of directors\n\nCapital OneCapital One Bank, National Association\n\nC&IConventional commercial and industrial loans\n\nC&I LA\n\nLong amortizing C&I loans, also known as ALP loans\n\nCodeInternal Revenue Code of 1986, as amended\n\nCODM\n\nChief Operating Decision Maker\n\nCRE\nCommercial real estate\n\nDeutsche BankDeutsche Bank AG\n\nEBITDAEarnings before interest, taxes, depreciation and amortization\n\nESPP\n\nEmployee Stock Purchase Plan\n\nExchange ActSecurities Exchange Act of 1934, as amended\n\nFASBFinancial Accounting Standards Board\n\nFederal ReserveBoard of Governors of the Federal Reserve System\n\n4\n\n[Table of Contents](#i2582aed425bc4584a92e9573cb32abee_1021)\n\nFDICFederal Deposit Insurance Corporation\n\nFV\n\nFair Value\n\nHFI\n\nHeld for investment\n\nHFS\n\nHeld for sale\n\nLCM\n\nLower of amortized cost basis or fair value\n\nLTV\n\nLoan-to-Value\n\nNAVNet Asset Value\n\nNBNYC\nNational Bank of New York City, renamed Newtek Bank, National Association\n\nNOO\n\nNon-owner occupied\n\nOCCOffice of the Comptroller of the Currency\n\nPCD\n\nPurchased Financial Assets with Credit Deterioration\n\nPLPPreferred Lenders Program, as authorized by the SBA\n\nRICRegulated investment company under the Code\n\nS&PStandard and Poor's\n\nSBAUnited States Small Business Administration\n\nSECU.S. Securities and Exchange Commission\n\nSMB\nSmall-and-medium sized businesses; revenue from $1.0 million to $100.0 million\n\nSOFR\n\nSecured Overnight Financing Rate\n\nTrusteeU.S. Bank, National Association\n\nTSO IITSO II Booster Aggregator, L.P.\n\nU.S. GAAP or GAAPGenerally accepted accounting principles in the United States\n\nVIE\n\nVariable Interest Entity\n\nWebsterWebster Bank, N.A.\n\nBank borrowings\n\nCollectively, the below facilities:\n\nNMS Goldman Facility\n\nRevolving Credit and Guaranty Agreement between NMS and its wholly-owned subsidiary, Mobil Money, LLC, together with NBSH Holding, LLC, the direct sole member of NMS\n\nSPV I Capital One FacilityRevolving Credit and Security Agreement between NBL SPV I, LLC, a wholly-owned subsidiary of NALH, and Capital One (terminated March 25, 2026)\n\nSPV II Deutsche Bank Facility\nRevolving Credit and Security Agreement between NBL SPV II, LLC, a wholly-owned subsidiary of NALH, and Deutsche Bank\n\nSPV III One Florida Bank Facility\n\nRevolving Credit and Security Agreement between NBL SPV III, LLC, a wholly-owned subsidiary of NALH, and One Florida Bank\n\nConsolidated Subsidiaries, Joint Ventures and Other Investments\n\nNSBF\nNewtek Small Business Finance, LLC\n\nNCLNewtek Commercial Lending, Inc., a former wholly-owned subsidiary of NewtekOne Inc., merged into NALH on May 13, 2025\n\nNewtek Bank\nNewtek Bank, National Association\n\nNALH or Newtek ALP Holdings\n\nNewtek Business Services Holdco 6, Inc.\n\nNMS\nNewtek Merchant Solutions, LLC, a wholly-owned subsidiary of NBC\n\nMobil Money\nMobil Money, LLC, a wholly-owned subsidiary of NMS\n\nNTSNewtek Technology Solutions, Inc., a former wholly-owned subsidiary of the Company, sold to IPM on January 2, 2025\n\nNBC\nCDS Business Services, Inc. dba Newtek Business Credit Solutions\n\nSBL\nSmall Business Lending, LLC, a wholly-owned subsidiary of Newtek Bank\n\nPMT\nPMTWorks Payroll, LLC, dba Newtek Payroll and Benefits Solutions\n\nNIA\nNewtek Insurance Agency, LLC\n\nTAM\nTitanium Asset Management, LLC\n\nPOSPOS on Cloud, LLC, dba Newtek Payment Systems, a 95.49% owned consolidated subsidiary\n\nNCL JV\nNewtek Conventional Lending, LLC, a former 50% owned joint venture, 100% Company owned as of August 27, 2025 and dissolved on September 30, 2025\n\n5\n\n[Table of Contents](#i2582aed425bc4584a92e9573cb32abee_1021)\n\nTSO JV\nNewtek-TSO II Conventional Credit Partners, LP, a 50% owned joint venture\n\nIPM\nIntelligent Protection Management Corp., formerly Paltalk, Inc.\n\nIPM Preferred Stock\n\n4.0 million shares of IPM Series A Non-Voting Common Equivalent Stock\n\n6\n\n[Table of Contents](#i2582aed425bc4584a92e9573cb32abee_1021)\n\nPART I—FINANCIAL INFORMATION"}