Ready Capital Investor Presentation Deck

SBC Market SBC loans are 1st liens on either investor or owner occupied commercial real estate assets Typically, property appraised values of <$10M and <50,000 square feet $4.0T OF COMMERCIAL MORTGAGE DEBT OUTSTANDING Small Balance 15% Large Balance 85% SMALL-BALANCE LOAN ORIGINATION TREND SUB $5 Million $ Billions 350 300 250 200 150 100 50 0 2016 2017 READY CAPITAL. Source: Boxwood Means, LLC 2018 2019 2020 3.0 2.5 2.0 1.5 1.0 0.5 0.0 10-Yr. Treasury Rate (%) 7

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