Ready Capital Investor Presentation Deck

SBC Product Offerings PRODUCT LOAN PURPOSE LOAN SIZE MAX LEVERAGE TERM PREPAYMENT RATE TYPE PROPERTY TYPE HEAVY TRANSITIONAL BRIDGE Vacant Rehabilitation Adaptive Re-Use Renovation Value Add $5-75MM $75MM + Portfolios Typically 3 Years Plus Extensions Floating Rate Hybrid LIGHT TRANSITIONAL BRIDGE-TO-PERM Renovation Lease Up Rent Optimization Event Driven Bridge to Near Term Refinance 80% Loan-to-Cast Up to 3 Years Plus Extensions Minimum Interest BRIDGE-TO-AGENCY Multifamily, Industrial, Office, Self-Storage, Essential Retail $1-100MM Up to 2 Years Plus Extensions Floating Rate Fixed Rate Multifamily STABILIZING STRUCTURED FIXED RATE Final Lease Up Seasoning Lease Expiration Prepay Flexibility Mid-Term Refinance $2-45MM 2-10 Years Customized Declining Yield Maintenance Fixed Rate All Property Types CMBS DIRECT 5, 7, 10 Years 80% Loan-to-Value Defeasance Yield Maintenance READY CAPITAL. STABILIZED CORRESPONDENT AGENCY Cash Out Term Refinance Interest Rate Arbitrage Bridge Refinance Permanent Acquisition/Recapitalization $1-100MM Up to 30 Years Declining Yield Maintenance Floating Rate Fixed Rate FREDDIE MAC SBL Multifamily $1 - $7.5MM 5, 7, 10 Years Hybrid: 20 Years Fixed Rate Hybrid 10

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