Ready Capital Investor Presentation Deck

Complementary Platforms INVESTED EQUITY ALLOCATION ■Bridge 10% 4% 10% 15% 5% Fixed rate/CMBS Other ¹ ■Small Business Lending 3% 53% Construction ■Freddie Mac² Residential Mortgage Banking TTM CORE EARNINGS CONTRIBUTION 3% 7% 21% 4% 11% Bridge ■Fixed rate/CMBS Other1 ■Small Business Lending READY CAPITAL. 11% 43% Construction ■Freddie Mac² 2 Residential Mortgage Banking 1. Loans with the "Other" classification are generally SBC acquired loans that have nonconforming characteristics for the Fixed rate, Bridge, or Construction categories 2. Includes construction and permanent financing activities for the preservation and construction of affordable housing, primarily utilizing tax-exempt bonds, through Red Stone 5

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