OppFi Results Presentation Deck

Reduced Cost of Financing and Strong Balance Sheet to Power Growth Ample debt capacity provides a means to fund future growth without equity 10 Liquidity ($ in millions) $105 $40 $55 2017 $201 $23 $52 $126 2018 Oustanding Debt $383 $36 $140 $207 2019 $526 $46 $338 $142 2020 Remaining Debt Capacity $494 $62 $158 $274 2021 $474 $60 $132 $282 Q1 2022 Cash & Restricted Cash $608 $58 $212 $338 Q2 2022 Grown liquidity 6x of 2017 levels Decreased cost of borrowing by 500+ bps since 2017 Diversified institutional capital sources Increased financial flexibility with: ● ● ● corporate credit agreements, asset-backed facilities, bank provided asset-based loans, forward flow arrangements, and total return swap OppFi"

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