OppFi SPAC Presentation Deck

33 Reduced Cost of Financing and Strong Balance Sheet Powers Growth Ample debt capacity provides a means to fund future growth without equity Ample Liquidity ($mm)¹ Company liquidity position has grown to 5x of 2017 levels • ● Cost of borrowing has decreased 400+ bps since 2017 Diverse list of institutional sources of capital, including Ares and Atalaya • Demonstrating increased flexibility in accessing liquidity through corporate credit agreements, asset-backed facilities, bank provided asset-based loans and forward flow arrangements 1. As of 12/31/20 $105 $11 $40 $55 2017 Outstanding Debt $201 $23 $52 $126 2018 Remaining Debt Capacity $383 $36 $140 $207 2019 Cash & Restricted Cash $526 $46 $338 $142 2020 OppFi"

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