Ready Capital Investor Presentation Deck

SBC Lending and Acquisitions LOAN COUNT(1) 2,325 255 577 22 1,471 PRODUCT TYPE FIXED RATE (3) BRIDGE CONSTRUCTION OTHER (4) GEOGRAPHY DAPE UPB $9.55B $976M $7.41B $517M $644M BOOK VALUE $9.44B $972M $7.34B $496 M $636M WALTV 65.2% 60.9% 68.5% 65.3% 34.0% WA COUPON PROPERTY TYPE Powered by Bing GeoNames, Microsoft, Tom Tom 6.4% 5.0% 6.3% 11.1% 5.7% 5% 6% 8% 9% READY CAPITAL. FIXED/FLOAT (²) 15.6 / 84.4% 99.4 / 0.6% 1.1/98.9% 31.1/68.9% 43.7 / 56.3% 72% 60+ DAYS PAST DUE 1. Excludes joint venture investments 2.75% of fixed rate loans match funded 3. Includes originated SBC floating rate loans that are included in our RCMT securitization and therefore, categorized as Fixed/CMBS 4. Loans with the "Other" classification are generally SBC acquired loans that have nonconforming characteristics for the Fixed rate, Bridge, or Construction categories 5. 100% of construction loans 60+ days past due were acquired as part of the Mosaic Merger 3.2% 3.0% 1.7% 21.3% (5) 5.5% Multi-family Mixed-use ■ Retail Office - Other Investments 13

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