NewtekOne is a technology-enabled financial holding company that provides comprehensive business and financial solutions to independent small and mid-sized businesses through its bank subsidiary and non-bank subsidiaries. The company operates a diversified ecosystem offering lending (including SBA loans), merchant processing, payroll, insurance, and business credit solutions, leveraging two proprietary technology platforms—NewTracker, a patented referral management system that acquires customers through a network of alliance partners without traditional branches, and Newtek Advantage, a unified business dashboard providing 24/7 access to financial experts and integrated tools. Revenue is generated through loan origination and servicing fees, gain on loan sales, merchant and payroll processing fees, insurance commissions, and interest income on retained loan portfolios, with a low-cost acquisition model enabling competitive pricing and broad geographic reach across independent business owners nationwide.