Ready Capital Investor Presentation Deck

Small Business Lending ● LOAN COUNT ● 1,886 CURRENT QUARTER HIGHLIGHTS UPB $657M BOOK VALUE $623M WA LTV After-tax PPP income was $16.1 million 88.4% SBA net sales premiums peaking at 14.9% and averaging 11.5% net, with 19.6% of SBA sales sold for a higher future 10 strip Current money up pipeline of $169.0 million, including $20.6 million funded in January 100% GROSS LEVERED YIELD 80% 60% 40% 20% WA COUPON 0% 5.5% 34.6% 28.4% Q4 2020 50.4% 37.0% Q1 2021 FIXED/FLOAT 0.6 / 99.4% 1. Includes interest income, accretion of discount, and servicing income net of interest expense and amortization of deferred financing costs 2. Includes realized and unrealized gains (losses) on loans held for sale and MSR creation 80.6% 18.6% Q2 2021 ■Gross levered yield (ex. gains) ¹ READY CAPITAL. 55.4% 20.7% Q3 2021 60%+(1) 1.2% 33.2% 16.5% Q4 2021 Gains on loans, held for sale 2 21

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