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 $112,500 $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 15% (net of SBA Split) 71.5% Year 1 Gross Return $112,500 10% 3.00% $14,375 ($5,688) $7,500 $128,687 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% $14,375 ($5,688) $7,500 21.6% Ongoing Gross Return $16,187 18

View entire presentation