Ready Capital Investor Presentation Deck

SBC Lending and Acquisitions LOAN COUNT(1) 2,243 251 557 23 1,412 PRODUCT TYPE FIXED RATE (3) BRIDGE CONSTRUCTION OTHER (4) GEOGRAPHY 1. Excludes joint venture investments 2.72% of fixed rate loans match funded UPB $9.58B $1.03B $7.38B $558M $607M BOOK VALUE $9.45B $1.03B $7.28B $537M $599M WALTV 65.5% 61.1% 69.0% 60.1% 34.8% WA COUPON PROPERTY TYPE Powered by Bing GeoNames, Microsoft, TomTom 7.6% 5.2% 7.8% 11.6% 5.9% 5% 6% 9% 9% FIXED/FLOAT (²) READY CAPITAL. 15.1 / 84.9% 98.6/1.4% 0.4 / 99.6% 26.6/73.4% 42.0/58.0% 71% - Multi-family Mixed-use ■ Retail Office 60+ DAYS PAST DUE 3. Includes originated SBC floating rate loans that are included in our RCMT securitization and therefore, categorized as Fixed/CMBS 4. Loans with the "Other" classification are generally SBC acquired loans that have nonconforming characteristics for the Fixed rate, Bridge, or Construction categories 5. 100% of construction loans 60+ days past due were acquired as part of the Mosaic Merger 3.9% 3.3% 1.6% 32.9% (5) 5.6% - Other Investments 13

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