Full Year 2022 Outlook and Key Company Highlights

Reduced Cost of Financing and Strong Balance Sheet to Power Growth Ample debt capacity provides a means to fund future growth without equity Ample Liquidity ($ in millions) $526 $494 $46 $474 $62 $60 Grown liquidity nearly 5x of 2017 levels Decreased cost of borrowing by 500+ bps since 2017 Diversified institutional capital sources, including Ares and Atalaya Increased financial flexibility with: . $383 $36 $158 $132 $338 $140 $201 $23 $52 $105 $274 $282 • $11 $207 $40 $126 $142 $55 2017 2018 2019 2020 ■Oustanding Debt ■Remaining Debt Capacity 2021 ■Cash & Restricted Cash Q1 2022 • corporate credit agreements, asset-backed facilities, bank provided asset-based loans, forward flow arrangements, and total return swap 16 OppFi"

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