Ready Capital Investor Presentation Deck

SBC Lending and Acquisitions LOAN COUNT 2,510 1,652 323 517 8 10 ACQUISITIONS FIXED RATE BRIDGE FREDDIE MAC (2) CONSTRUCTION GEOGRAPHY UPB $8.77B $798M $1.29 B $6.29B $25M $366M BOOK VALUE $8.69B $787M $1.29 B $6.22B $26M $366M Powered by Bing ⒸGeoNames, Microsoft, Tom Tom WALTV 64.7% 37.2% 60.3% 69.4% 61.5% 59.5% WA COUPON PROPERTY TYPE ▪ Multi-family 4.5% 5.6% 4.9% 4.2% 3.6% 6.8% 6% 8% 9% ▪ Mixed-use 1.53.2% of fixed rate loans match funded 2. Freddie Mac service loans have a total UPB of $1.93B, of which loans 60+ days past due are 0.2% of loans (inclusive of loans sold) 12% FIXED/FLOAT (1) READY CAPITAL. 20.7 / 79.3% 49.0 / 51.0% 1.8/98.2% 2.8 / 97.2% 87.7/12.3% 3.5/96.5% ▪ Retail 65% ■ Office 60+ DAYS PAST DUE 2.4% 3.3% 1.9% 1.3% 11.9% 20.5% ■ Other Investments 15

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