Ready Capital Investor Presentation Deck

SBC Product Offerings PRODUCT LOAN PURPOSE LOAN SIZE MAX LEVERAGE TERM PREPAYMENT RATE TYPE PROPERTY TYPE GROUND-UP CONSTRUCTION Construction Predevelopment Renovation Acquisition $15-75MM Spread maintenance last 6 months open SOFR + Spread HEAVY TRANSITIONAL Multifamily Build-to-Rent BRIDGE Vacant Rehabilitation Adaptive Re-Use Renovation Value Add Typically, 2-3 Years Plus Extensions $6-75MM $75MM + Portfolios 80% Lean-to-Cost BRIDGE-TO-PERM Multifamily, Industrial, Office, Future availability to be Self-Storage, Essential Retail announced LIGHT TRANSITIONAL $2-75MM S75MM+ Portfolios Floating Rate Hybrid Renovation Lease Up Rent Optimization Event Driven Bridge to Near Term Refinance Up to 3 Years Plus, Extensions Minimum Interest BRIDGE-TO- AGENCY Multifamily $1-100MM Up to 2 Years Plus, Extensions Floating Rate Hybrid STABILIZING STRUCTURED FIXED CMBS DIRECT RATE Final Lease Up Seasoning Lease Expiration Prepay Flexibility Mid-Term Refinance $2-45MM 2-10 Years Customized Declining Yield Maintenance All Property Types Fixed Rate STABILIZED 5,7,10 Years CORRESPONDENT AGENCY Defexsance Yield Maintenance Cash Out Term Refinance Interest Rate Arbitrage Bridge Refinance Permanent Acquisition Recapitalization 80% Lean-to-Value $1-100MM Up to 30 Years READY CAPITAL. Floating Rate Fixed Rate FREDDIE MAC SBL Multifamily $1-$7.5MM Declining Yield Maintenance 5,7,10 Years Hybrid: 20 Years Floating Rate Hybrid AFFORDABLE HOUSING AFFORDABLE HOUSING Construction to Perm Private Loan Financing for Eventual LIHTC Takeout SEMM+ 90% Loan-to-Value Typically, 7 Years Defeasance Yield Maintenance Floating Rate Fixed Rate Multifamily Affordable 11

View entire presentation