Ready Capital Investor Presentation Deck

Complementary Platforms INVESTED EQUITY ALLOCATION 9% 4% 10% 5% 16% Bridge Fixed rate/CMBS Other ¹ ■Small Business Lending 4% 52% Construction ■Freddie Mac Residential Mortgage Banking TTM CORE EARNINGS CONTRIBUTION 3% 5% 5% 20% 5% 13% READY CAPITAL. Bridge ■Fixed rate/CMBS Other¹ ■Small Business Lending 49% Construction 2 ■Freddie Mac Residential Mortgage Banking 1. Loans with the "Other" classification are generally SBC acquired loans that have nonconforming characteristics for the Fixed rate, Bridge, or Construction categories 2. Includes construction and permanent financing activities for the preservation and construction of affordable housing, primarily utilizing tax-exempt bonds, through Red Stone 5

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