#1+ Exhibit 99.1 Investor Presentation May 2022 OppFi**#2Disclaimer This presentation (the "Presentation") of OppFi Inc. ("OppFi" or the "Company") is for information purposes only. Certain information contained herein has been derived from sources prepared by third parties. While such information is believed to be reliable for the purposes used herein, the Company makes no representation or warranty with respect to the accuracy of such information. Trademarks and trade names referred to in this Presentation are the property of their respective owners. The information contained herein does not purport to be all-inclusive. This Presentation does not constitute investment, tax, or legal advice. No representation or warranty, express or implied, is or will be given by the Company or any of its respective affiliates, directors, officers, employees or advisers or any other person as to the accuracy or completeness of the information in this Presentation, and no responsibility or liability whatsoever is accepted for the accuracy or sufficiency thereof or for any errors, omissions or misstatements, negligent or otherwise, relating thereto. The information contained in this Presentation is preliminary in nature and is subject to change, and any such changes may be material. The Company disclaims any duty to update the information contained in this Presentation, which information is given only as of the date of this Presentation unless otherwise stated herein. Forward-Looking Statements This Presentation includes "forward-looking statements" within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. OppFi's actual results may differ from its expectations, estimates and projections and consequently, you should not rely on these forward-looking statements as predictions of future events. Words such as "expect," "estimate," "project," "budget," "forecast," "anticipate," "intend," "plan," "may," "will," "could," "should," "believes," "predicts," "potential," "possible," "continue," and similar expressions may identify forward-looking statements, but the absence of these words does not mean that a statement is not forward-looking. These forward-looking statements include, without limitation, OppFi's expectations for its full year 2022 guidance, OppFi's expectations with respect to the future performance of OppFi's platform, OppFi's expectations for its growth, and including growth of loan automation, and profitability and OppFi's new products and their performance. These forward-looking statements are based on OppFi's current expectations and assumptions about future events and are based on currently available information as to the outcome and timing of future events. These forward-looking statements involve significant risks and uncertainties that could cause the actual results to differ materially from the expected results. Most of these factors are outside OppFi's control and are difficult to predict. Factors that may cause such differences include, but are not limited to: the impact of COVID-19 on OppFi's business; the impact of stimulus or other government programs; whether OppFi will be successful in obtaining declaratory relief against the Commissioner of the Department of Financial Protection and Innovation for the State of California; whether OppFi will be subject to AB 539; whether OppFi's bank partners will continue to lend in California and whether OppFi's financing sources will continue to finance the purchase of participation rights in loans originated by OppFi's bank partners in California; the risk that the business combination disrupts current plans and operations; the ability to recognize the anticipated benefits of the business combination, which may be affected by, among other things, competition, the ability of OppFi to grow and manage growth profitably and retain its key employees; risks related to new products; concentration risk; costs related to the business combination; changes in applicable laws or regulations; the possibility that Oppfi may be adversely affected by other economic, business, and/or competitive factors; risks related to management transitions; and other risks and uncertainties indicated from time to time in OppFi's filings with the United States Securities and Exchange Commission, in particular, contained in the section or sections captioned "Risk Factors." OppFi cautions that the foregoing list of factors is not exclusive, and readers should not place undue reliance upon any forward-looking statements, which speak only as of the date made. Oppfi does not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions or circumstances on which any such statement is based. Non-GAAP Financial Measures Certain financial information and data contained this Presentation is unaudited and does not conform to Regulation S-X. Accordingly, such information and data may not be included in, may be adjusted in or may be presented differently in, any periodic filing, information or proxy statement, or prospectus or registration statement to be filed by OppFi with the SEC. Some of the financial information and data contained in this Presentation, such as Compound Annual Growth Rate ("CAGR"), Adjusted Net Income (and margin thereof), Adjusted EBITDA (and margin thereof) and Adjusted Operating Expense, has not been prepared in accordance with accounting principles generally accepted in the United States ("GAAP") and may be different from non-GAAP financial measures used by other companies. Adjusted Net Income is defined as Net Income plus (1) recruiting fees, severance and relocation, (2) amortization of debt transaction costs and (3) other addbacks and one-time expenses following the closing of the business combination, including one-time implementation fees, stock compensation expenses, IPO readiness costs and management fees, adjusted for taxes assuming a tax rate of 25% for the year ended December 31, 2020 and a 21.6 % tax rate after, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes, in order to allow for a comparison with other publicly traded companies. Adjusted EBITDA is defined as Adjusted Net Income plus (1) a tax rate of 25% for the year ended December 31, 2020 and a 21.6% tax rate after, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes, in order to allow for a comparison with other publicly traded companies, (2) depreciation and amortization, (3) interest expense and (4) business (non-income) taxes. Adjusted Operating Expenses is defined as total expense excluding interest expenses, add backs and one-time items, and is presented as a percentage of Total Revenue. OppFi believes that the use of these non-GAAP financial measures provides an additional tool for investors to use in evaluating ongoing operating results and trends. These non-GAAP measures with comparable names should not be considered in isolation from, or as an alternative to, financial measures determined in accordance with GAAP. These non-GAAP measures of financial results are not GAAP measures of our financial results or liquidity and should not be considered as an alternative to net income (loss) as a measure of financial results, cash flows from operating activities as a measure of liquidity, or any other performance measure derived in accordance with GAAP. OppFi believes these non-GAAP measures of financial results provide useful information to management and investors regarding certain financial and business trends relating to OppFI's financial condition and results of operations. OppFi's management uses these non-GAAP measures for trend analyses and for budgeting and planning purposes. OppFi believes that the use of these non-GAAP financial measures provides an additional tool for investors to use in evaluating projected operating results and trends in comparing OppFi's financial measures with other similar companies, many of which present similar non-GAAP financial measures to investors. Management does not consider these non-GAAP measures in isolation or as an alternative to financial measures determined in accordance with GAAP. The principal limitation of these non- GAAP financial measures is that they exclude significant expenses and income that are required by GAAP to be recorded in the Company's financial statements. In addition, they are subject to inherent limitations as they reflect the exercise of judgments by management about which expense and income are excluded or included in determining these non-GAAP financial measures. In order to compensate for these limitations, management presents non-GAAP financial measures in connection with GAAP results. You should review the OppFi's audited financial statements, which have been filed with the SEC. A reconciliation for OppFi's non-GAAP financial measures to the most directly comparable GAAP financial measures can be found in the Appendix. The Non-GAAP financial measures of Adjusted EBITDA Margin, Adjusted Net Income Margin and Adjusted Operating Expense presented as a percentage of revenue for the full year 2022 are provided in this presentation only on a non-GAAP basis because a reconciliation to the most comparable GAAP financial measures, Net Revenue and Net Income, is not available without unreasonable effort. OppFi believes that such items and, accordingly, the other items of the reconciliation, would require an unreasonable effort to predict with reasonable certainty the amount or timing of non-GAAP adjustments used to calculate these Non-GAAP financial measures. OppFi believes that any such forecast would result in a broad range of projected values that would not be meaningful to investors. Projected Financial Information This Presentation contains financial forecasts, including with respect to the Company's estimated and projected revenue, receivables growth, originations growth, Adjusted Net Income, Adjusted EBITDA, and Adjusted Operating Expense and margins with respect to Net Revenue, Adjusted Net Income, Adjusted EBITDA and Adjusted Operating Expense. The Company's certified public accountant has not audited, reviewed, compiled, or performed any procedures with respect to the projections for the purpose of their inclusion in this Presentation, and accordingly, has not expressed an opinion or provided any other form of assurance with respect thereto for the purpose of this Presentation. These projections should not be relied upon as being necessarily indicative of future results. Any estimates, forecasts or projections set forth in the Presentation have been prepared by the Company in good faith on a basis believed to be reasonable. Such estimates, forecasts and projections involve significant elements of subjective judgment and analysis and reflect numerous judgments, estimates and assumptions that are inherently uncertain in prospective financial information of any kind. As such, no representation can be made as to the attainability of such estimates, forecasts and projections. The recipient is cautioned that such estimates, forecasts or projections have not been audited and have not been prepared in conformity with GAAP. The estimates, forecasts and projections included in this Presentation are subject to a wide variety of significant business, economic and competitive risks and uncertainties that could cause actual results to differ materially from those contained in the prospective financial information, which include, but are not limited to, those mentioned in the prior paragraphs under the caption "Forward-Looking Statements. The recipient therefore should not rely on the estimates, forecasts or projections contained in the Presentation. No Offer or Solicitation This presentation does not constitute an offer to sell, or the solicitation of an offer to buy, any securities, nor shall there be any sale of securities in any states or jurisdictions in which such offer, solicitation or sale would be unlawful. No offer of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act. Website This Presentation contains reproductions and references to the Company's website and mobile content. The contents of the website and mobile content are not incorporated into this Presentation. Any references to URLS for the websites are intended to be inactive textual references only. OppFi"#3N OUR MISSION OppFi's mission is to facilitate safe, simple and more affordable credit access to the 60 million everyday Americans who currently lack traditional options to rebuild their financial health. OppFi"#4+ 3 Key Company Highlights la Solid Revenue Growth 66% 5-year CAGR¹ Profitable since 2015 $66 million adjusted net income² in 2021 88888 88888 Significant Scale Facilitated more than $3.3 billion in gross loan issuance covering over 2 million loans, since inception APPLY Robust Customer Demand More than 2.4 million applications in 2021, ~80% mobile generated Leading Proprietary Credit & Technology Platform Real-time AI drove automation for 82% of decisions in 2021 Exceptional Customer Satisfaction Net Promoter Score of 853; 2,800+ Trustpilot customer reviews with 4.7/5.0 average rating 1. 2016-2021 2. Adjusted Net Income represents Adjusted EBT tax-affected at 21.6% assumed tax rate. Pro forma for conversion for fair market value accounting. 3. For full-year 2021 at the time of loan approval. OppFi"#5Executive Management Team Todd Schwartz Founder, Chief Executive Officer, and Executive Chairman Schwartz Capital Group Manuel Chagas Chief Operating Officer Discover Financial Services; McKinsey & Company; Accenture Yuri Ter-Saakyants Chief Technology Officer Insureon; Mediaocean Pamela Johnson Chief Financial Officer Heights Finance; Pioneer Financial Services Elizabeth Simer Chief Strategy Officer Discover Financial Services; Square (Block); Intuit Stacee Hasenbalg Chief Compliance Officer Avant; BMO Financial Group; Mayer Brown Christopher McKay Chief Risk and Analytics Officer HSBC; Capital One Vasili Gerogiannis Chief Capital Officer ABN AMRO; BMO Financial Group Marv Gurevich General Counsel Enova; Avant OppFi"#6Originations ($ in millions) & Percent Growth · OppFi Entering Next Phase of Growth . Strengthened the Foundation . 2019A $497 Diversified capital structure Adjusted net income increased by 90%¹ In Auto approval rate more than doubled (3%) 2020A . $483 Strong Business Fundamentals Despite Pandemic Onset Added new bank origination partners Tightly managed business through the pandemic Provided credit to more than 280,000 consumers 23% 2021A Transitioned to Public Company, Growth Resumed . $595 ⠀ Origination and earnings growth resumed Record originations in 2H:21 . More than doubled auto approval rate (again) 20% - 25% · Focus on Our Core Product, Credit Normalizes # . · 2022P $729² Todd Schwartz returns as CEO Strong origination demand Credit normalization AI Iterating market-based offers Refining underwriting model Strengthening technology and 1. Adjusted Net Income is not a financial measure determined in accordance with GAAP. For a reconciliation to our most directly comparable financial measures calculated and presented in accordance with GAAP, please see the Appendix included within this presentation. 2. Represents an amount that reflects originations based on the midpoint of guidance for ending receivables growth. OppFi"#7High Percentage of Americans Lack Savings and/or Credit Access LO 60 million U.S. adults lack access to traditional credit¹ 88888 88888 64% of U.S. consumers live paycheck to paycheck² 1. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints." NewYorkFed.org, 2019 2. LendingClub Corporation. "New Reality Check: The Paycheck-To-Paycheck Report: The Credit Edition." PYMNTS.com, May 2, 2022 3. Bennett, Karen. "Survey: Less than half of Americans have savings to cover a $1,000 surprise expense." Bankrate.com, January 19, 2022 44% of U.S. adults have savings to cover a $1,000 unplanned expense³ OppFi"#8We Help Everyday Consumers Solve Everyday Problems OUR TYPICAL CUSTOMER: Established Credit History ✓ Median Income Employed Bank Account > 30 Years Old College-Educated ✓ No Savings OppFi customers can use proceeds for any unexpected expense E Car Trouble Housing Medical Family Education#9OppFi Advantage: The OppFi Approach to Lending Traditionally financing options for the underbanked have been limited, with exorbitant interest rates and poor customer service The OppLoan's Market Leading Terms Simple interest, amortizing installment loans with no balloon payments No origination fees No late fees No NSF fees No prepayment penalties Market-based offers provide options based on amount, interest rate, and term Report to the 3 major credit bureaus. Work compassionately with customers who require payment plan modification 00 Underbanked Option APRS ~17,000% ~450%- 950% li Bank Overdraft¹ Tribal Lenders 2 1. Credit Karma; based on average charge of $34 on average transaction of $24 to be repaid within three days 2. CFPB; from 2017 lawsuit, the annual percentage rates for four tribal lenders' installment loan products was between 440% and 950% 3. FTC and CFPB; based on title lenders charging average of 25% per month and typical two-week payday loan with a $15 per $100 fee 4. FTC; based on $83/month, 12-month Lease to Own ("LTO") plan to purchase $500 item and $39/week, 48-week LTO plan to purchase $600 item 5. Lend Academy; assumes $200 amount financed with $5 finance charge 7 days between the advance and employee's regularly scheduled paydate ~300%- 400% ~100%- 300% ~130% A Cheaper, Better Product for Non- Prime Average Loan Amount ~$1,500 Average Term ~11 Months ~59%- 160% Payday & Title Lease to Own* Earned Wage OppFi™ Loans 3 Access 5 OppFi"#10Leverage Billions of Data Points to Make Credit Scores Obsolete OppFi's proprietary algorithms powered by Artificial Intelligence are designed to better predict ability and willingness to repay F a 20 ~11 BILLION Data Points AI-Powered Proprietary Scoring Algorithm Golo $ 13+ Million Applications 2+ Million Loans 22+ Million Repayments ~500 Attributes per Repayment#1110 Technology-Fueled Proprietary Algorithms Provide Real-Time Insights Visibility across non-prime risk spectrum enables OppFi to target credit worthy borrowers more effectively, providing flexibility to change underwriting criteria quickly H 100% Cloud Platform Leads Decision Engine Machine Learning Bank Verification Income Verification Modern Data Warehouse 888 DI AI Powered Conversion, Approvals & Servicing Next Best Action Workflow Optimization Continuous A/B Testing Real-time Data & Analytics Microservice Infrastructure DECISIONS POWERED BY ... in 000 Consumer Behavior Bank Data Alternative Bureau Data 1 2 Income Data Employment Data Marketing Source OppFi"#12OppFi Growth Strategy 11 . . Drive profitable core product volume growth . Continue to test / iterate on market-based offers Refine underwriting model, focusing on stronger credit segments Reduce acquisition costs, with more targeted marketing campaigns by focusing on referrals and conversion funnel optimization Accelerate profitable growth 0000 Serve more non-prime consumers with product extensions, new structures, and/or strategic partnerships • Enter adjacent market segments, utilizing different business model with minimal balance sheet or credit risk Secure new capital efficient funding structures Explore new relationship structures with banks • Expand into new customer segments via M&A Acquire enterprise that could provide credit access to other customer types in adjacent lending categories, diversifying business mix OppFi"#13Understanding Our Customer Value 12 Over 1,785¹ Customers² Surveyed 1,426 of 1,785 took the time to write a personal note about their experience of the remarks were positive 87% "OppLoans gave me a chance. And I have not let them down and I will not let them down. I hope they can continue rescuing people such as myself!" Overall Experience 91% had a very positive or positive experience³ We Are There When Others Are Not ... 1. As of 5/2/2022 2. Survey is based on California customers only 3.77% had a very positive experience and 14% had a positive experience ALMOST 50% were turned down by a bank or credit union OVER were turned down 50% by another lender Our Impact What would happen to our customers without OppFi? FALL BEHIND ON THEIR BILLS RISK LOSING THEIR JOB -80%+ FACE THE PROSPECT OF LOSING THEIR HOUSING FACE POTENTIAL BANKRUPTCY 30% 30% 13% OppFi"#14L Financial Performance OppFi"#15Platform with Proven Ability to Scale Profitably ($ in millions) Revenue $70 17A 14 $323 $268 ¡¡ll $134 18A 19A $351 20A 21A Adjusted EBITDA $22 17A 31% $52 18A 39% Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2021 located in Appendix $97 19A Margin 36% $101 20A 31% $117 21A 33% Adjusted Net Income $11 17A 16% $28 18A 21% $53 19A Margin 20% $55 20A 17% $66 21A 19% OppFi"#16Operational Efficiencies: Automation & Expense Savings Continued increases in operational leverage position OppFi well for post-COVID demand Increasing Automated Approvals (AAR) 15 0% 2017 7% 2018 18% 2019 26% 2020 60% 2021 On track for annualized $15 million in after-tax reduction in operational cost base, exiting 2022: More efficient marketing spending leading to lower cost per funded loan Reduced vendor expenses Headcount rationalization Lower interest expenses from new financing agreements Normalization of costs after going public last year OppFi"#17Reduced Cost of Financing and Strong Balance Sheet to Power Growth Ample debt capacity provides a means to fund future growth without equity Ample Liquidity ($ in millions) 16 $105 $11 $40 $55 2017 $201 $23 $52 $126 2018 ■Oustanding Debt $383 $36 $140 $207 $526 $46 $338 $142 2019 Remaining Debt Capacity 2020 $494 $62 $158 $274 2021 Cash & Restricted Cash $474 $60 $132 $282 Q1 2022 Grown liquidity nearly 5x of 2017 levels Decreased cost of borrowing by 500+ bps since 2017 Diversified institutional capital sources, including Ares and Atalaya Increased financial flexibility with: . ● corporate credit agreements, asset-backed facilities, bank provided asset-based loans, forward flow arrangements, and total return swap OppFi"#1817 Quarterly Key Performance Indicators ($ in millions), except Total Marketing Cost Net Originations¹ Ending Receivables² % of Originations by Bank Partners Net Charge-Offs as % of Avg. Receivables³ Average Yield4 Automatic Approval Rate5 Total Marketing Cost per New Funded Loan Total Marketing Cost per Funded Loan7 UNAUDITED QUARTER ENDED 3/31/2021 $100 $245 76% 30% 130% 41% $266 $56 3/31/2022 $163 $338 95% 56% 120% 61% $221 $76 Key Highlights Net originations increased 63% year over year Ending receivables increased 38% year over year as a result of strong origination growth YoY Net charge-offs as % of average receivables increased to 56% versus 30% year over year reflecting increased losses from segments that are no longer being approved in 2022, providing opportunity for improvement in 2H:22 Yield decreased year over year due to introduction of personalized pricing and increased delinquency Automatic approval rate increased to 61% from 41% year over year, reflecting the continued application of algorithmic automation projects that streamline the origination process Total marketing cost per new funded loan decreased by 17% year over year due to reduced investment in direct mail spend combined with higher customer conversion rates 1. Net originations include both originations by bank partners on the OppFi platform, as well as direct originations by OppFi. 2. Receivables are defined as unpaid principal balances of both on and off-balance sheet loans. 3. Net charge-offs as a percentage of average receivables (defined as unpaid principal of both on- and off-balance sheet loans) represents total charge offs from the period less recoveries as a percent of average receivables. OppFi charges off loans after they are more than 90 days delinquent. 4. Average Yield is defined as annualized interest income from the period as a percent of average receivables 5. Auto-Approval Rate is calculated by taking the number of approved loans that are not decisioned by a loan advocate or underwriter (auto-approval) divided by the total number of loans approved. 6. Marketing Cost per New Funded Loan represents marketing cost per funded loan for new loans. This metric is the amount of direct marketing costs incurred during a period divided by the number of new funded loans originated during that same period. 7. Marketing Cost per Funded Loan represents marketing cost per funded loans (including new and returning customer loans). This metric is the amount of direct marketing costs incurred during a period divided by the number of funded loans originated during that same period.. OppFi"#19Full Year 2022 Outlook ¹ 18 60% to 65% Net Revenue Margin 20% to 25% Adjusted EBITDA Margin 43% to 47% Adjusted Operating Expense² Margin 8% to 12% Adjusted Net Income Margin Total revenue and ending receivables growth of 20% to 25% in 2022 year over year 1. As disclosed in the first quarter 2022 earnings press release issued on May 5, 2022. 2. Adjusted Operating Expense is defined as total expenses excluding interest expense, add backs and one-time items. Adjusted Operating Expense is not a financial measure determined in accordance with GAAP OppFi"#20Long-Term Guidance 19 Net Revenue Margin Adjusted Operating Expense¹ Margin Adjusted EBITDA Margin Adjusted Net income Margin LONG-TERM 70% 44% 30% 15% 1. Adjusted Operating Expense is defined as total expenses excluding interest expense, add backs and one-time items. Adjusted Operating Expense is not a financial measure determined in accordance with GAAP.#21+ 20 Key Investment Highlights 000 Profitable, growing financial technology company Installment loan category disruptor Differentiated business model with low cost spread-based lending creates a competitive advantage and minimizes interest rate risk Potential strategic growth via product extensions, new structures, strategic partnerships, and/or acquisitions Founder, CEO and Executive Chairman as largest shareholder; owner/operator dynamic aligns incentives to maximize shareholder value; Schwartz family recently began purchasing shares on open-market per Form 4 filings. OppFi"#2221 + Appendix OppLoans Come as you are. Leave in control. Forgot password? Apply for an account Volve About Us Resources Blog Apply Now#23Pro Forma Share Count as of March 31, 2022 Shares Class A Common Stock held by Public and Founders Class A and Class V Common Stock Held by Pre-Business Combination OppFi Equity holders Total Currently Outstanding Shares of Common Stock Earn-Out Shares Total Outstanding Shares of Common Stock Giving Effect to Earn-Outs 22 Share Price $10.00 $12.00 $13.00 $14.00 13,349,150 13,349,150 70,838,474 70,838,474 84,187,624 84,187,624 84,187,624 8,500,000 92,687,624 13,349,150 70,838,474 84,187,624 17,000,000 (including 8,500,000 units that would have vested at $12) 101,187,624 13,349,150 70,838,474 84,187,624 25,500,000 (including 8,500,000 units that would have vested at each of $12 and $13) 109,687,624 Notes Shares held by public shareholders, including founders, underwriters and private placements Excludes 25,500,000 shares of Class V Common Stock outstanding with respect to Earn Out Units held by pre-business combination OppFi equity holders, which vest and are subject to forfeiture as discussed below Excludes 25,500,000 shares of Class V Common Stock outstanding with respect to Earn Out Units held by pre-business combination OppFi equity holders, which vest and are subject to forfeiture as discussed below Earn-Out Shares represent shares of Class V Common Stock that related to a total of 25,500,000 Earn Out Units held by pre-business combination OppFi equity holders, which vest in three tranches when the volume weighted average price (VWAP) of the Class A Common Stock equals or exceeds each of $12.00, $13.00 and $14.00 for any 20 out of 30 consecutive trading days over the first 36 months after closing, and with respect to which Class V Common Stock is currently outstanding and subject to vesting and forfeiture Forfeited after 3-year anniversary of closing date if vesting conditions above are not met Note: This presentation is not a complete summary of all relevant terms, conditions and information related to the capital structure of OppFi Inc. For more information, see the Company's filings with the SEC, including the Annual Report on Form 10-K filed by the Company with the SEC on March 11, 2022. This presentation excludes: 14,426,937 warrants to purchase shares of Class A Common Stock at $11.50 per share 912,500 warrants to purchase shares of Class A Common Stock at $15.00 per share 11,500,000 shares of Class A Common Stock issuable under the Company's 2021 Equity Incentive Plan 1,200,000 shares of Class A Common Stock issuable under the Company's 2021 Employee Stock Purchase Plan OppFi"#24Adjusted EBITDA EBITDA and Adjusted Net Income Reconciliation Table ($ in millions) Net Income FV adjustments Debt Issuance Cost Other Addback and One-Time Expenses¹ Adjusted EBT Pro-Forma Taxes² Adjusted Net Income Pro-Forma Taxes² Depreciation and Amortization Interest Expense Business (Non-income) Taxes Adjusted EBITDA 23 2017 $3 10 1 1 15 ERZON (4) 11 4 1 6 $22 2018 $10 26 1 1 37 (9) 28 9 2 12 0 $52 2019 $33 35 2 1 71 (18) 53 18 4 21 1 $97 2020 $78 (8) 2 N 74 (18) 55 18 7 19 2 $101 2021 $90 2 (8) 84 (18) 66 Note: Excludes transaction expenses 1. Includes one time implementation fees, stock compensation expenses, IPO readiness costs and management fees 2. Assumes a tax rate of 25% for the years ended December 31, 2017, December 31, 2018, December 31, 2019, and December 31, 2020 and a 21.6 % tax rate after, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes, in order to allow for a comparison with other publicly traded companies. 18 10 22 1 $117 OppFi"#25Contact Information + 24 Shaun Smolarz Head of Investor Relations [email protected] OppFi"