Ready Capital Investor Presentation Deck

Financial Flexibility UNENCUMBERED ASSET POOL $800 $600 $400 $200 $0 ■ Unrestricted cash ▪ Servicing rights $115 8% 8% 2023 CORPORATE DEBT MATURITY PROFILE ($ in millions) 15% 2024 $1.1B Total Unencumbered Assets 31% 10% ■ Securities - REO $120 2025 28% ▪ Loans ■ Other Assets $661 J.. $100 2027 2026 $146 2028 and beyond HIGHLIGHTS READY CAPITAL. Diversified unencumbered asset pool of $1.1 billion, including $111 million of unrestricted cash 1.4x unencumbered assets to unsecured debt $2.6 billion in available warehouse borrowing capacity across 19 counterparties Limited usage of securities repo financing at 4.3% of total debt Full mark to market liabilities and credit mark to market liabilities represent 21% of total debt 90% of corporate debt maturities in 2025 or later 28

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