NewtekOne, Inc. 8-K

What Happened On January 12, 2026 NewtekOne, Inc. announced it extended the expiration date of its previously announced exchange offer. Holders of the company’s outstanding 5.50% Notes due 2026 (the “Old Notes”) now have until January 23, 2026 to exchange those Old Notes for an equal principal amount of newly issued 8.50% Fixed Rate Senior Notes due 2031 (the “New Notes”). The extension gives noteholders more time to participate before the Old Notes’ scheduled maturity on February 1, 2026. The company furnished the press release as Exhibit 99.1 to the Form 8-K filed January 12, 2026.

Key Details

• Extension announced: expiration of the Exchange Offer extended to January 23, 2026.
• Old Notes: 5.50% interest, scheduled to mature February 1, 2026.
• New Notes offered: 8.50% Fixed Rate Senior Notes due 2031 (equal principal exchange).
• Filing: Form 8-K filed January 12, 2026; press release attached as Exhibit 99.1.

Why It Matters The extension gives holders additional time to decide whether to convert near-term debt (maturing Feb 1, 2026) into longer-dated paper, which would push principal repayment out to 2031 but at a higher coupon (8.50% vs. 5.50%). For investors, this affects the company’s near-term cash obligations and bondholders’ income and duration: acceptance could reduce immediate refinancing or cash needs at maturity, while declining to exchange could lead to repayment at the Feb 1 maturity. No other financial results or management changes were reported in this filing.