Ready Capital Investor Presentation Deck

SBA 7(a) Economics ASSUMPTIONS Loan Amount: Guaranteed Balance: Unguaranteed Balance: Sale Premium: Securitization Advance Rate: Upfront Premium Servicing Strip $1,000,000 $750,000 $250,000 $90,000 $175,000 YEAR 1 GROSS RETURN 1.00% Gain on Sale Revenue: Income on Retained Loan: Debt Cost on Retained Loan: Servicing Fee : Year 1 Return: Option 1: Full Premium 12% (net of SBA Split) 42.3% Year 1 Gross Return 10% $90,000 3.00% $15,000 ($5,775) $7,500 $106,725 Option 2: Partial Premium ONGOING GROSS RETURN Income on Retained Loan: Debt Cost on Retained Loan: Servicing Fee : Ongoing Return: READY CAPITAL. Option 3: Full Servicing 0% 5.425% $15,000 ($5,775) $7,500 22.3% Ongoing Gross Return $16,725 19

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