Ready Capital Investor Presentation Deck

Loan Portfolio Composition PROPERTY TYPE ▪ Multi-family 8% 9% 11% ▪ Retail SBC Lending and Acquisitions 14% ■ Office 41% Small Business Lending 10% ▪ Mixed-use ■ Other Investments 21% 58% 13% 15% - ▪ Lodging ▪ Doctors ▪ Retail Eating Place ■ Other GEOGRAPHY 1. Calculated on unpaid principal balance and excludes assets offset by guaranteed loan financing liabilities ■ Texas ■ California 44% ▪ California 53% ■ Texas SBC Lending and Acquisitions 20% 7% 7% ▪ Arizona ▪ Florida 8% Small Business Lending ▪ New York 17% 5% 14% 8% 5% READY CAPITAL. 12% ▪ Washington - Georgia Georgia ■ Other ■ Other 22

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