Ready Capital Investor Presentation Deck

Financial Flexibility UNENCUMBERED ASSET POOL $800 $600 $400 $200 $0 ■ Unrestricted cash ▪ Servicing rights 7% $115 2023 19% 14% CORPORATE DEBT MATURITY PROFILE ($ in millions) 2024 20% $1.0B Total Unencumbered Assets ■ Securities - REO 32% 8% $120 ▪ Loans ■ Other Assets .I. $661 $246 2025 2026 2027 and beyond HIGHLIGHTS READY CAPITAL. Diversified unencumbered asset pool of $1.0 billion, including $200 million of unrestricted cash 1.4x unencumbered assets to unsecured debt $2.4 billion in available warehouse borrowing capacity across 20 counterparties Limited usage of securities repo financing at 4.0% of total debt Full market to market liabilities and credit mark to market liabilities represent 16% and 13% of total debt, respectively 90% of corporate debt maturities in 2025 or later 28

View entire presentation