Crispin Love

Stephen Moss

Timothy Switzer

Marc Silk

Mike Paramonov

Steve Moss

Tim Switzer

- **NewtekOne**, a technology-oriented enterprise with a **30-year operating history**, provides business and financial solutions to independent business owners, managing approximately **$2.2 billion of assets** and generating **over $50 million** after-tax.  **[1587987_2162679_0]** 
- The company's operating model leverages technology and artificial intelligence, resulting in an efficiency ratio typically between **45% and 48%** and a return on tangible common equity of approximately **20%**.  **[1587987_2162679_1]** **[1587987_2162679_4]** 
- As one of the largest SBA 7(a) lenders, NewtekOne receives **over 600 business referrals daily** through alliance partners and sells the government-guaranteed portion of loans at a **10% to 11% premium**.  **[1587987_2162679_1]** **[1587987_2162679_2]** 
- The acquisition of a bank has diversified funding sources, reduced costs, and enabled integrated services through the Newtek Advantage, leading to the opening of **19,000 depository accounts** and originating **2,700 unique business loans annually**.  **[1587987_2162679_3]** **[1587987_2162679_5]** 
- NewtekOne's Alternative Loan Program, which has already led to three securitizations, anticipates a fourth next quarter with approximately **$250 million of collateral**.  **[1587987_2162679_3]**

NewtekOne discusses technology-driven financial solutions and growth strategy

- **Newtek Merchant Solutions (NMS)**, a wholly-owned subsidiary of NewtekOne, Inc., secured a new **$90 million term loan facility** and a **$5 million revolving line of credit** from Private Credit at Goldman Sachs Alternatives on **September 26, 2025**.  **[1587987_0001628280-25-043174_goldman_pr.htm:0]** **[1587987_0001628280-25-043174_newt-20250926.htm:2]** 
- The new Goldman Facility, which matures on **September 26, 2030**, was used to **repay NMS's approximately $30 million outstanding term debt** with Webster Bank, terminating the prior agreement without penalty.  **[1587987_0001628280-25-043174_goldman_pr.htm:0]** **[1587987_0001628280-25-043174_newt-20250926.htm:1]** **[1587987_0001628280-25-043174_newt-20250926.htm:2]** 
- The proceeds will also fund **$58.5 million of loans to NewtekOne, Inc.**, which the company intends to use for **repaying outstanding unsecured debt**, repurchasing common shares, and other general corporate purposes.  **[1587987_0001628280-25-043174_newt-20250926.htm:2]**

NewtekOne Subsidiary Secures New Credit Facility and Refinances Debt

- Newtek Merchant Solutions, LLC (NMS), a wholly owned subsidiary of NewtekOne, has refinanced its term debt facility and revolving line of credit.  **[1587987_130316d4e84b4d0489fe5f1a8d02887b_0]** 
- Private Credit at Goldman Sachs Alternatives is providing NMS with a **$90 million term loan facility** and a **$5 million line of credit**.  **[1587987_130316d4e84b4d0489fe5f1a8d02887b_0]** 
- A portion of the proceeds funded the full repayment of NMS's approximately **$30 million of outstanding term debt** with another lender, and a **$10 million undrawn line of credit** with that lender was eliminated.  **[1587987_130316d4e84b4d0489fe5f1a8d02887b_0]** 
- The incremental funding will be used to fund loans to NewtekOne and may also be used to repay and reduce the Company's outstanding unsecured senior debt and for other general corporate purposes.  **[1587987_130316d4e84b4d0489fe5f1a8d02887b_0]**

NewtekOne Subsidiary Secures New Debt Facility from Goldman Sachs Alternatives

- NewtekOne, Inc. completed a transaction with Patriot Financial Partners, L.P. on **September 16, 2025**, where Patriot exchanged its **20,000 shares of Series A Preferred Stock** (originally valued at **$20 million**) and made an **additional $10 million cash investment** for **2,307,692 shares of NewtekOne's common stock**.  **[1587987_0001587987-25-000166_newtekoneseptember172025.htm:0]** **[1587987_0001587987-25-000166_newt-20250916.htm:1]** 
- This transaction is expected to boost NewtekOne's common equity tier one capital and tier one capital by **$30 million**.  **[1587987_0001587987-25-000166_newtekoneseptember172025.htm:0]** 
- On a pro forma basis as of **June 30, 2025**, the transaction is projected to grow common equity tier one capital from **$256 million to $286 million** and increase tangible book value per common share to approximately **$10.74**.  **[1587987_0001587987-25-000166_newtekoneseptember172025.htm:0]** 
- The newly issued common shares to Patriot are subject to a **two-year transfer restriction**.  **[1587987_0001587987-25-000166_newtekoneseptember172025.htm:0]** **[1587987_0001587987-25-000166_newt-20250916.htm:1]**

NewtekOne (NEWT)