Ready Capital Investor Presentation Deck

Financial Flexibility UNENCUMBERED ASSET POOL $800 $600 $400 $200 $0 ■ Unrestricted cash ▪ Servicing rights 11% $115 2023 14% CORPORATE DEBT MATURITY PROFILE ($ in millions) 14% 2024 $1.1B Total Unencumbered Assets 26% ■ Securities - REO 15% $120 20% 2025 $661 .I.. $100 2027 ▪ Loans ■ Other Assets 2026 $146 2028 and beyond HIGHLIGHTS READY CAPITAL. Diversified unencumbered asset pool of $1.1 billion, including $164 million of unrestricted cash 1.4x unencumbered assets to unsecured debt $2.7 billion in available warehouse borrowing capacity across 20 counterparties Limited usage of securities repo financing at 4.7% of total debt Full market to market liabilities and credit mark to market liabilities represent 14% and 9% of total debt, respectively 90% of corporate debt maturities in 2025 or later 28

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