Business Segments · Loan Portfolio Expense
Small Business Lending — Loan Portfolio Expense
Ready Capital Small Business Lending — Loan Portfolio Expense increased by 5.1% to $1.10M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 41.2%, from $780.00K to $1.10M. Over 4 years (FY 2021 to FY 2025), Small Business Lending — Loan Portfolio Expense shows an upward trend with a 41.4% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityStable
First reportedQ1 2019
Last reportedQ1 2026May 8, 2026
Rolls up toLoan Portfolio Expense
How to read this metric
An increase relative to portfolio size may indicate rising operational complexity or inefficiencies in loan servicing.
Detailed definition
Covers direct costs associated with the maintenance, servicing, and management of the small business loan portfolio. Thi...
Peer comparison
Standard metric for lenders to track the cost-to-serve for their credit assets.
Metric ID:
rc_segment_small_business_lending_loan_portfolio_expenseHistorical Data
20 periods
| Q2 '21 | Q3 '21 | Q4 '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 | $144.00K | $426.00K | $418.00K | $502.00K | -$74.00K | $103.00K | $176.00K | $97.00K | $148.00K | $337.00K | $159.00K | $247.00K | $116.00K | $469.00K | $1.16M | $780.00K | $25.00K | $1.69M | $1.05M | $1.10M |
| QoQ Change | — | +195.8% | -1.9% | +20.1% | -114.7% | +239.2% | +70.9% | -44.9% | +52.6% | +127.7% | -52.8% | +55.3% | -53.0% | +304.3% | +146.7% | -32.6% | -96.8% | >999% | -38.0% | +5.1% |
| YoY Change | — | — | — | — | -151.4% | -75.8% | -57.9% | -80.7% | +300.0% | +227.2% | -9.7% | +154.6% | -21.6% | +39.2% | +627.7% | +215.8% | -78.4% | +260.3% | -9.4% | +41.2% |
Range-$74.00K – $1.69M
CAGR+53.5%
Avg YoY Growth+86.3%
Median YoY Growth+14.9%
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Frequently Asked Questions
- What is Ready Capital's small business lending — loan portfolio expense?
- Ready Capital (RC) reported small business lending — loan portfolio expense of $1.10M in Q1 2026.
- How has Ready Capital's small business lending — loan portfolio expense changed year-over-year?
- Ready Capital's small business lending — loan portfolio expense increased by 41.2% year-over-year, from $780.00K to $1.10M.
- What is the long-term trend for Ready Capital's small business lending — loan portfolio expense?
- Over 4 years (2021 to 2025), Ready Capital's small business lending — loan portfolio expense has grown at a 41.4% compound annual growth rate (CAGR), from $886.00K to $3.54M.
- What does small business lending — loan portfolio expense mean?
- Direct operational costs related to managing and servicing the small business loan portfolio.