Ready Capital Investor Presentation Deck

SBC Product Offerings PRODUCT LOAN PURPOSE LOAN SIZE MAX LEVERAGE TERM PREPAYMENT RATE TYPE PROPERTY TYPE GROUND-UP CONSTRUCTION Construction Predevelopment Renovation Acquisition $15-75MM Spread maintenance; last 6 months open SOFR + Spread HEAVY TRANSITIONAL Multifamily Build-to-Rent Future availability to be announced BRIDGE Vacant Rehabilitation Adaptive Re-Use Renovation Value Add Typically, 2-3 Years Plus Extensions $5-75MM $75MM + Portfolios 80% Loan-to-Cost BRIDGE-TO-PERM Multifamily, Industrial, Office, Self-Storage, Essential Retail LIGHT TRANSITIONAL $2-75MM $75MM+ Portfolios Floating Rate Hybrid Renovation Lease Up Rent Optimization Event Driven Bridge to Near Term Refinance Up to 3 Years Plus, Extensions Minimum Interest BRIDGE-TO- AGENCY Multifamily $1-100MM Up to 2 Years Plus, Extensions Floating Rate Hybrid STABILIZING STRUCTURED FIXED CMBS DIRECT RATE Final Lease Up Seasoning Lease Expiration Prepay Flexibility Mid-Term Refinance $2-45MM 2-10 Years Customized Declining Yield Maintenance All Property Types Fixed Rate 5,7,10 Years CORRESPONDENT AGENCY Defeasance Yield Maintenance Cash Out Term Refinance 80% Loan-to-Value STABILIZED Interest Rate Arbitrage Bridge Refinance Permanent Acquisition/Recapitalization $1-100MM Up to 30 Years READY CAPITAL. Floating Rate Fixed Rate FREDDIE MAC SBL Multifamily $1-$7.6MM Declining Yield Maintenance 5,7,10 Years Hybrid: 20 Years Floating Rate Hybrid AFFORDABLE HOUSING Construction to Perm Private Loan Financing for Eventual LIHTC Takeout $5MM+ 90% Loan-to-Value Typically, 7+Years Defeasance Yield Maintenance Floating Rate Fixed Rate Multifamily Affordable 11

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