Business Segments · Interest Expense, Operating
Small Business Lending — Interest Expense, Operating
Ready Capital Small Business Lending — Interest Expense, Operating decreased by 15.4% to $16.16M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 19.6%, from $20.11M to $16.16M. Over 3 years (FY 2022 to FY 2025), Small Business Lending — Interest Expense, Operating shows an upward trend with a 42.6% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityModerate
First reportedQ1 2022
Last reportedQ1 2026May 8, 2026
Rolls up toInterest Expense
How to read this metric
An increase relative to interest income may signal rising funding costs or inefficient capital structure.
Detailed definition
The costs incurred by the Small Business Lending segment to fund its loan portfolio, including interest paid on debt fac...
Peer comparison
Standard 'Interest Expense' reported across the financial services sector.
Metric ID:
rc_segment_small_business_lending_interest_expense_operatingHistorical Data
17 periods
| 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 | $6.85M | $6.85M | $6.85M | $6.85M | $9.37M | $9.72M | $20.77M | $25.98M | $24.92M | $24.82M | $25.08M | $22.78M | $20.11M | $19.75M | $20.42M | $19.11M | $16.16M |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +36.9% | +3.7% | +113.7% | +25.1% | -4.1% | -0.4% | +1.0% | -9.2% | -11.7% | -1.8% | +3.4% | -6.4% | -15.4% |
| YoY Change | — | — | — | — | +36.9% | +42.0% | +203.4% | +279.6% | +165.8% | +155.4% | +20.8% | -12.3% | -19.3% | -20.4% | -18.6% | -16.1% | -19.6% |
Range$6.85M – $25.98M
CAGR+24.0%
Avg YoY Growth+61.3%
Median YoY Growth+20.8%
Current Streak2 quarters decline
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Frequently Asked Questions
- What is Ready Capital's small business lending — interest expense, operating?
- Ready Capital (RC) reported small business lending — interest expense, operating of $16.16M in Q1 2026.
- How has Ready Capital's small business lending — interest expense, operating changed year-over-year?
- Ready Capital's small business lending — interest expense, operating decreased by 19.6% year-over-year, from $20.11M to $16.16M.
- What is the long-term trend for Ready Capital's small business lending — interest expense, operating?
- Over 3 years (2022 to 2025), Ready Capital's small business lending — interest expense, operating has grown at a 42.6% compound annual growth rate (CAGR), from $27.38M to $79.38M.
- What does small business lending — interest expense, operating mean?
- The cost of borrowing funds used to support the Small Business Lending segment's operations.