NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028

Newtek Business Services Corp. is a business development company that provides financial and business services to small and medium-sized businesses in the United States. It also invests in early-stage businesses through debt and equity. Its debt investments include first lien loans (1–25 years), second lien loans (5–25 years), and unsecured loans (repaid within 6–12 months). The company operates through Electronic Payment Processing, Managed Technology Solutions, Small Business Finance, and Capcos segments. It originates Small Business Administration loans for commercial real estate, machinery, equipment, inventory, debt refinancing, franchises, working capital, and business acquisitions, and offers loan servicing and consulting to the FDIC and other financial institutions. Its electronic payment processing services include credit and debit card processing, check approval, ancillary equipment and software, eCommerce, electronic solutions for non-cash payments, check conversion, remote deposit capture, ACH processing, and gift and loyalty card programs. It also provides website hosting, dedicated server and cloud hosting, web design and development, internet marketing, data storage and backup, and ecommerce services such as payment processing, online shopping cart tools, and website design. Additionally, it offers Accounts Receivable Financing, The Secure Gateway, and Newtek Advantage, a mobile real-time operating platform for accessing data on smartphones, tablets, laptops, or PCs for eCommerce, credit/debit transactions, website statistics, payroll, and insurance.