Ready Capital Investor Presentation Deck

Compelling and Attractive Combination ($ in Millions) Invested Assets (1) Investment Portfolio by Investment Туре Investment Portfolio by Seniority Total Equity (2) READY CAPITAL. SBC Loan Originations & Acq. ($6,753) Small Business Lending ($657) $7,644 Residential Mortgage Banking ($234) First Mortgage ($7,598) Subordinated Mortgage ($46) $1,281 8.6% 3.1% 88.3% 0.6% 99.4% + EMOSAIC REAL ESTATE INVESTORS $572 Construction Financing ($370) Preferred Equity ($120) Pre-Dev Loan ($71) Mezzanine ($11) Senior Secured 1st Lien ($441M) Preferred Equity ($120M) 2nd Lien ($10.8M) 12.4% 21.0% 21.0% $563 1.9% 1.9% 64.7% 77.1% READY CAPITAL. Pro-Forma Combined Company -$8,216 SBC Loan Originations & Acq. ($7,325) Small Business Lending ($657) Residential Mortgage Banking ($234) Senior Secured 1st Lien ($8,039M) Preferred Equity ($120M) 2nd Lien ($57M) 8.0%2.8% 1.5% 0.7% ~$1,844 89.2% Source: Company Filings Note: Financial information and portfolio level data as of December 30, 2021 (1) Total Invested Assets for Ready Capital based on unpaid principal balance and excludes Paycheck Protection Program loans; (2) Pro-Forma Combined Company Equity estimated based on December 30, 2021 book values 97.8% 8 1 1

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