Investor Presentaiton

Credit and Repurchase Facilities $ in thousands Lender Asset Class Borrowings under credit facilities Maturity Pricing READY CAPITAL. Facility Size Available Carrying Value Capacity JPMorgan Keybank East West Bank Acquired loans, SBA loans Freddie Mac loans SBA loans July 2021 (2) February 2022 1M L+ 2.5% to 2.875% SOFR+1.41% $ 200,000 $ 42,488 $ 157,512 100,000 36,533 63,467 Credit Suisse (1) GMFS facilities GMFS-MSR Acquired loans (non USD) Residential loans Residential MSRs Other various Various October 2022 December 2021 Aug-2021 Nov-2021 September 2023 Oct-2023 Aug-2050 Prime 0.821% to +0.00% 50,000 41,581 8,419 Euribor + 2.50% to 3.00% Various 237,160 43,554 193,606 395,000 270,560 124,440 1M L+ 2.50% Various 50,000 21,400 28,600 172,770 23,391 149,379 Total borrowings under credit facilities Borrowings under repurchase agreements $ 1,204,930 $ 479,507 $ 725,423 Citibank Fixed rate, Transitional, Acquired loans October 2021 1M L+ 2.50% to 3.25% $ 500,000 $ 66,184 $ 433,816 Deutsche Bank Fixed rate, Transitional loans November 2021 3M L+ 2.00% to 2.40% 350,000 187,050 162,950 Credit Suisse Credit Suisse Fixed rate, Transitional, Acquired loans Residential loans May 2022 1M L+ 2.00% to 2.35% 500,000 7,607 492,393 July 2021 (3) L+ 3.00% 100,000 70,570 29,430 JPMorgan Performance Trust Various Transitional loans Acquired loans MBS November 2022 March 2024 1M L+ 2.00% to 2.75% 600,000 571,516 28,484 1MT+2.00% 123,000 35,625 87,375 July-2021 (2) Oct-2021 Various 284,975 284,975 Total borrowings under repurchase agreements Total Secured Borrowings $ 2,457,975 $ 1,223,527 $ 1,234,448 $ 3,662,905 $ 1,703,034 $ 1,959,871 1. Commitment size is €200.0 million and has been converted for purposes of this disclosure. 2. The Company subsequently extended the agreement pursuant to an amendment with an updated maturity of August 2021 3. The Company subsequently extended the agreement pursuant to an amendment with an updated maturity of September 2021 32 22

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