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  <xs:element id="newt_LongTermLineOfCreditNetOfDeferredFinancingCosts" abstract="false" name="LongTermLineOfCreditNetOfDeferredFinancingCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_LongTermDebtNetOfDeferredFinancingCosts" abstract="false" name="LongTermDebtNetOfDeferredFinancingCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_EmploymentAgreementToBePaidAbstract" abstract="true" name="EmploymentAgreementToBePaidAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="newt_EmploymentAgreementToBePaidRemainderOfFiscalYear" abstract="false" name="EmploymentAgreementToBePaidRemainderOfFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_EmploymentAgreementToBePaidYearOne" abstract="false" name="EmploymentAgreementToBePaidYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_EmploymentAgreementToBePaidYearTwo" abstract="false" name="EmploymentAgreementToBePaidYearTwo" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_EmploymentAgreementToBePaidYearThree" abstract="false" name="EmploymentAgreementToBePaidYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_EmploymentAgreementToBePaidYearFour" abstract="false" name="EmploymentAgreementToBePaidYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_EmploymentAgreementToBePaidAfterYearFour" abstract="false" name="EmploymentAgreementToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_EmploymentAgreementToBePaid" abstract="false" name="EmploymentAgreementToBePaid" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_ContractualObligationToBePaidAfterYearFour" abstract="false" name="ContractualObligationToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_A2023ATMEquityDistributionMember" abstract="true" name="A2023ATMEquityDistributionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_SeriesAConvertiblePreferredStockMember" abstract="true" name="SeriesAConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_SaleOfStockNumberOfSharesAuthorizedForSale" abstract="false" name="SaleOfStockNumberOfSharesAuthorizedForSale" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="newt_StockRepurchasedDuringPeriodWeightedAveragePricePerShare" abstract="false" name="StockRepurchasedDuringPeriodWeightedAveragePricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="newt_UnvestedRestrictedStockMember" abstract="true" name="UnvestedRestrictedStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_EmployeeStockPurchasePlanMember" abstract="true" name="EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_ShareBasedCompensationArrangementByShareBasedPaymentAwardMaximumFairValueOfSharesToBePurchased" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardMaximumFairValueOfSharesToBePurchased" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_A2023And2015StockIncentivePlanMember" abstract="true" name="A2023And2015StockIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_A2023StockIncentivePlanMember" abstract="true" name="A2023StockIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_A2015EquityIncentivePlanMember" abstract="true" name="A2015EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsNetOfForfeituresInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsNetOfForfeituresInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="newt_ShareBasedCompensationArrangementByShareBasedPaymentAwardValuePurchasedForAward" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardValuePurchasedForAward" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="newt_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesAvailableForFutureIssuanceRollForward" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesAvailableForFutureIssuanceRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="newt_AlternativeLendingMember" abstract="true" name="AlternativeLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_TechnologyMember" abstract="true" name="TechnologyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_NSBFMember" abstract="true" name="NSBFMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="newt_SegmentAllocationGoodwillPercentage" abstract="false" name="SegmentAllocationGoodwillPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="newt_SegmentAllocationEquityCapitalPercentage" abstract="false" name="SegmentAllocationEquityCapitalPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
</xs:schema>
