Small Business Lending — Financing Receivable, Credit Loss, Expense (Reversal)
Ready Capital Small Business Lending — Financing Receivable, Credit Loss, Expense (Reversal) decreased by 32.0% to $4.38M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 47.6%, from $8.37M to $4.38M. Over 3 years (FY 2022 to FY 2025), Small Business Lending — Financing Receivable, Credit Loss, Expense (Reversal) shows an upward trend with a 104.2% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase in expense signals deteriorating credit quality, while a reversal signals improving portfolio health.
Detailed definition
The provision expense or reversal recorded to adjust the allowance for credit losses on the Small Business Lending portf...
Peer comparison
Standard 'Provision for Loan Losses' reported by all lending institutions.
rc_segment_small_business_lending_financing_receivable_credit_loss_expense_reversalHistorical Data
| Q2 '21 | Q3 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $794.00K | $22.00K | $1.27M | $219.00K | $200.00K | $1.28M | $1.40M | $2.01M | $2.31M | $96.00K | $4.21M | -$4.46M | $3.93M | $5.28M | $8.37M | $3.49M | $7.00M | $6.45M | $4.38M |
| QoQ Change | — | -97.2% | >999% | -82.8% | -8.7% | +540.0% | +9.0% | +44.2% | +15.0% | -95.9% | >999% | -205.8% | +188.1% | +34.5% | +58.6% | -58.3% | +100.3% | -7.8% | -32.0% |
| YoY Change | — | — | — | -72.4% | +809.1% | — | +9.7% | +818.7% | >999% | -92.5% | +201.9% | -321.5% | +69.7% | >999% | +98.8% | +178.4% | +78.2% | +22.2% | -47.6% |
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Frequently Asked Questions
- What is Ready Capital's small business lending — financing receivable, credit loss, expense (reversal)?
- Ready Capital (RC) reported small business lending — financing receivable, credit loss, expense (reversal) of $4.38M in Q1 2026.
- How has Ready Capital's small business lending — financing receivable, credit loss, expense (reversal) changed year-over-year?
- Ready Capital's small business lending — financing receivable, credit loss, expense (reversal) decreased by 47.6% year-over-year, from $8.37M to $4.38M.
- What is the long-term trend for Ready Capital's small business lending — financing receivable, credit loss, expense (reversal)?
- Over 3 years (2022 to 2025), Ready Capital's small business lending — financing receivable, credit loss, expense (reversal) has grown at a 104.2% compound annual growth rate (CAGR), from $2.97M to $25.31M.
- What does small business lending — financing receivable, credit loss, expense (reversal) mean?
- The cost or benefit recorded to account for expected loan defaults in the Small Business Lending segment.