Historically, our lending division, Newtek Small Business
Finance , has positioned itself to access businesses owned by women, veterans,
minorities and businesses in rural communities.S.

Contacts:
Newtek Business Services
Barry Sloane
Chairman of the Board + CEO
212-356-9500
bsloane@newtekbusinessservices.2% of CRO reservations come through GDS channels, while
Internet sites contribute 30.e. marriott. Slightly more than one-third, or 34.

6 3

S."
The U.8% 14.travelclick.

financial 5

S. Small Business Administration (SBA) set records in 2004 for
backing loans to women and minorities, doubling records previously set in 2001
in those categories.
Newtek Business Services, Inc.

Major Hotel Chains Grew Internet Reservations by 24% 2004 YTD

eTRAK is a quarterly benchmarking report that allows hotel chains to track
booking trends on the Internet and GDS.9%
Total for CROs 100 % 100%


The top ten Internet sites for 2004 YTD hotel bookings to brand CROs, in
order, were: Priceline, Expedia Retail, Expedia Merchant, Hotels.

6 9

We look forward to continuing the SBA's success in
funding women-owned businesses through its lending program and our
relationship with the U.com

Dave Gentry
Aurelius Consulting Group, Inc.
eTRAK shows that 35 .6% from merchant sites.9% 21.3%
Total Electronic 65.com,
Travelocity Retail , Travelocity Merchant, TravelNow, Hotwire, Orbitz Retail
and USA Hotelguide. The unique information contained in eTRAK is intended
to help hotel companies decide e-commerce priorities, such as where to
invest their Internet advertising dollars and which sites create the best
returns. The company 's iHotelier booking engine
platform and website marketing programs enable hotels to better execute
strategies that increase business into their own websites.

4 8

U. Overall, nearly a third of SBA-backed loans went to
minorities, increasing loans to African Americans by 32 percent , to Hispanics
by 31. According to the SBA, there are over 23 million
small businesses in the United States which in total represent 99. The
report noted that brand websites were the source of 71.9 % 4.0%
Opaque Websites 2.

5 1

(Nasdaq: http://www.S.7 percent.3 percent over 2003 , and the loans to veterans were up by
21 percent. notes that a variety of factors could cause its
actual results to differ materially from the anticipated results expressed in
the Company's forward looking statements such as intensified competition
and/or operating problems and their impact on revenues and profit margins or
additional factors as described in Newtek Business Services' 2003 annual
report on Form 10-K and subsequently filed registration statements.5% in the
first three quarters of 2004 versus the same time period in 2003.com, hilton.1%, of CRO
reservations were made via phone.3% 4.net.net) is the leading provider of solutions that
help hotels and other travel industry suppliers maximize profits from
electronic distribution channels.

business 6

"The SBA has been extraordinarily helpful to America's small businesses
through its Business Matchmaking events as well as integrating our efforts
with its 7(a), 504, SBA Express and Low-Doc programs.

About Newtek Business Services, Inc. The Private
Securities Litigation Reform Act of 1995 provides a safe harbor for forward
looking statements. The Q1-Q3 2004 eTRAK report
highlights both the growth of electronic hotel bookings on the Internet and
the continuing importance of GDS e-commerce for hotel brands and chains.

Results from this study may differ from overall hospitality industry trends
on the Internet and GDS because eTRAK reflects only the performance of 30
major brands.

"Electronic channels continue to be the major source of CRO bookings.4% -11.1% 24.7% -6.

merchant q

Our growth and goals
are aligned with the SBA and we plan on growing our business as the SBA has
grown its authority. Newtek focuses on providing its 45,000
customers with access to financial, management and technological resources
that enable them to better grow and compete in today's marketplace.com, etc.6% 2.6%
Brand Websites 21.

5 financial

com), and its lender Newtek
Small Business Finance, an approved U. We view this as a tribute to
the emphasis put on capital formation to women-owned businesses by the USWCC,
as women-owned businesses are the fastest growing segment of the small
business community.S. is a direct distributor to the small to
medium-sized business market.7% of all
employers, generate 60 - 80 percent of all new jobs annually and generate more
than 50% of non-farm GDP. Since 1999, Newtek has helped these business owners
realize their potential by providing them with the essential tools needed to
manage and grow their businesses.9% 63. The report allows subscribers
to compare their own performance versus their direct competitors and the
industry in general.

Established in 1996 and headquartered in Chicago, TravelCLICK has over
8,000 customers in more than 140 countries around the world.

merchant q

Small Business Administration (SBA)
authorized 7(a) lender, today announced that it received 100 web-based lending
opportunities within the first seven days of forming an exclusive agreement
with the U. Women's Chamber of Commerce," Mr.

The statements in this release may contain forward looking statements
relating to such matters as anticipated future business strategies and
financial performance, anticipated future number of customers, business
prospects, legislative developments and similar matters. In order to comply with the terms of the safe harbor,
Newtek Business Services, Inc.
TravelCLICK today released its year-to-date
results through third quarter from the company's eTRAK report,
demonstrating that Internet reservations received at the central
reservation offices (CROs) of the major hotel brands grew 23.0%
Voice 34.

About TravelCLICK

TravelCLICK (www.

services x

3% of the brands'
centrally booked Internet reservations. The conclusions , however, are directional for the industry
as a whole.
eTRAK results indicate that hoteliers are increasingly driving traffic to
and realizing gains from their hotels' brand sites, which saw one of the
highest percent changes in reservations for the first three quarters of
2004," said Ray Cohen, president and co-CEO for TravelCLICK.

Reservation Sources for Major Hotel Brands - Q1 -Q3 2004

Central Percent of Q1-Q3 Percent of Q1-Q3 Percent Change Q1-Q3
Reservation 2004 Reservations 2003 Reservations 2004 over Q1-Q3 2003
Office Reservations
Hotel Bookings

Retail Websites 3.5%
Merchant Websites 2.3% 2. For more information about TravelCLICK's eTRAK report, email
etrak@travelclick .

sales 7

Newtek Business Services Inc. Accepts 100 Loan Applications

Women's Chamber of Commerce.
Barry Sloane, Chairman and CEO of Newtek Business Services, Inc. Newtek's
products and services include:

* Newtek Small Business Finance: U.

The 30 major brands participating in this survey reported that, on average,
21.), while 3.8% 17.6% 26.

q 1

com

9%
of CRO reservations were sourced from third party retail Internet sites and
2.4% -5.5% -3.

agents 1

S., said,
"We are very pleased that we have received a large volume of lending
opportunities in such a short period of time.0%
GDS Travel Agent 35.1% 36.

The eTRAK report covers all central reservation office booking results
including GDS, voice, and Internet bookings.

9 merchant

Women's Chamber Opportunity Begins

NEW YORK, Newtek Business Services, Inc.newtekbusinessservices.7 percent and to Asian Americans by 33. The number of loans to
women increased 27. Sloane added.
407-644-4256
dave@aurcg.6%.8% percent of their CRO reservations were received from their brand
website in Q1-Q3 of 2004 (i.7%
Total Internet 30.

q 3

government-guaranteed small
business lending services;

* Newtek Merchant Solutions: electronic merchant payment processing
solutions;

* Newtek Insurance Agency: customized insurance products provided
through Keyosk;

* Newtek IT Services: complete information technology solutions;

* CrystalTech Web Hosting: comprehensive web site services;

* Newtek Financial Information Systems: outsourced digital bookkeeping;
and

* Newtek Tax Services: tax filing, preparation and advisory services.2% 36. TravelCLICK's
competitive benchmarking reports provide hotels with price and booking
performance information, and the company's exclusive electronic marketing
networks allow hotels and other travel related suppliers to target
promotional messages to specific travel agents and consumers when they are
booking travel.

7 services

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