Investor Presentaiton

SBA 7(a) Economics ASSUMPTIONS YEAR 1 GROSS RETURN READY CAPITAL. ONGOING GROSS RETURN Gain on Sale Income on Loan Amount: $1,000,000 Revenue: $112,500 Retained Loan: $14,375 Guaranteed Income on Debt Cost on Balance: $750,000 Retained Loan: $14,375 Retained Loan: ($5,688) Unguaranteed Balance: $250,000 Debt Cost on Retained Loan: ($5,688) Servicing Fee : $7,500 Ongoing Sale Premium: $112,500 Servicing Fee : $7,500 Return: $16,187 Securitization Year 1 Advance Rate: $175,000 Return: $128,687 71.5% 21.6% Year 1 Gross Return Ongoing Gross Return Option 1: Full Premium Option 2: Partial Premium Option 3: Full Servicing Upfront Premium 15% (net of SBA Split) 10% 0% Servicing Strip 1.00% 3.00% 5.425% 18

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