Ready Capital Investor Presentation Deck

Diversified Investment Strategy Products Strategy Coupon History Capital allocated opportunistically to highest ROE OpCo across economic cycle Pro Forma SBC Loan Originations & Acquisitions SBC Loan Originations & Acquisitions Investor SBC lending across 7 products (bridge to stabilized properties) & portfolio acquisitions NIM from retained SBC portfolio supplemented by gain on sale income from Agency production 4 - 6% Distressed acquisitions (2008), direct lending launch (2013), 1 of 12 Freddie Mac SBL license holders (2014) & acquired bank bridge lending team (2015) Mosaic Middle-market lending focused on construction, preferred equity multifamily, and pre-construction development finance Opportunistic originations to borrowers with proven track record in densely populated cities 8 - 10% Acquired in March 2022 with a focus on construction lending Small Business Lending Owner occupied SBC lending through SBA 7(a), USDA & unsecured small business. 1 of 14 non-Bank 7(a) SBA lenders Revenue from gain on secondary market sale, net interest income and servicing fees on retained interest Prime + 200 - 275 bps Acquired in 2014 from CIT with originations beginning in 2015 READY CAPITAL. Residential Mortgage Banking Residential mortgage loan originations and servicing focused on agency market Revenue from gain on sale of production and servicing fees from retained MSR 100 - 175 bps Acquired in 2016 as part of the Company's acquisition of ZAIS Financial Corp 10

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