Ready Capital is a real estate finance REIT that originates, acquires, finances, and services a diversified portfolio of commercial real estate loans and small business loans across the United States and Europe. The company's core business consists of lower-middle-market commercial real estate loans ranging from $500,000 to $40 million for multifamily, office, retail, and other property types, as well as SBA Section 7(a) small business loans secured by government guarantees. Ready Capital generates returns through loan origination fees, interest spreads on retained loan portions, servicing fees, and appreciation on acquired non-performing assets, financing its loans primarily through securitizations and portfolio sales to leverage its balance sheet.