Analyst Day April 7, 2021 A Leading FinTech Platform for the Everyday Consumer Exhibit 99.1

Disclaimer This presentation (the “Presentation”) is for information purposes only. This Presentation has been prepared to assist parties in making their own evaluation with respect to a proposed transaction (the “Transaction”) as contemplated by a definitive business combination agreement between FG New America Acquisition Corp. (“FGNA”) and Opportunity Financial, LLC (the “Company”) and for no other purpose. Certain information contained herein has been derived from sources prepared by third parties. While such information is believed to be reliable for the purposes used herein, neither FGNA nor the Company makes any representation or warranty with respect to the accuracy of such information. Trademarks and trade names referred to in this Presentation are the property of their respective owners. This Presentation does not constitute an offer to sell or the solicitation of an offer to purchase any securities of FGNA, the Company, or any other person. 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Factors that may cause such differences include, but are not limited to: (1) the occurrence of any event, change or other circumstances that could give rise to the termination of the definitive business combination agreement (the “Agreement”); (2) the outcome of any legal proceedings that may be instituted against FGNA and OppFi following the announcement of the Agreement and the transactions contemplated therein; (3) the inability to complete the proposed business combination, including due to failure to obtain approval of the stockholders of FGNA, certain regulatory approvals or satisfy other conditions to closing in the Agreement, including with respect to the levels of FGNA stockholder redemptions; (4) the occurrence of any event, change or other circumstance that could give rise to the termination of the Agreement or could otherwise cause the transaction to fail to close; (5) the impact of COVID-19 on OppFi’s business and/or the ability of the parties to complete the proposed business combination; (6) the inability to obtain or maintain the listing of the combined company’s shares of common stock on the New York Stock Exchange following the proposed business combination; (7) the risk that the proposed business combination disrupts current plans and operations as a result of the announcement and consummation of the proposed business combination; (8) the ability to recognize the anticipated benefits of the proposed business combination, which may be affected by, among other things, competition, the ability of OppFi to grow and manage growth profitably and retain its key employees; (9) costs related to the proposed business combination; (10) changes in applicable laws or regulations; (11) the possibility that OppFi or FGNA may be adversely affected by other economic, business, and/or competitive factors; and (12) other risks and uncertainties indicated from time to time in the proxy statement relating to the proposed business combination, including those under “Risk Factors” therein, and in FGNA’s other filings with the United States Securities and Exchange Commission. The foregoing list of factors is not exclusive. You should not place undue reliance upon any forward-looking statements, which speak only as of the date made. FGNA and the Company do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions or circumstances on which any such statement is based. Non-GAAP Financial Measures Certain financial information and data contained this Presentation is unaudited and does not conform to Regulation S-X. Accordingly, such information and data may not be included in, may be adjusted in or may be presented differently in, any information or proxy statement, or prospectus or registration statement to be filed by FGNA with the SEC. Some of the financial information and data contained in this Presentation, such as Adjusted Net Income and CAGR and Margin thereof, and Adjusted EBITDA, Adjusted EBT and CAGR and Margin thereof, have not been prepared in accordance with United States generally accepted accounting principles (“GAAP”). These non-GAAP measures of financial results are not GAAP measures of our financial results or liquidity and should not be considered as an alternative to net income (loss) as a measure of financial results, cash flows from operating activities as a measure of liquidity, or any other performance measure derived in accordance with GAAP. FGNA and the Company believe these non-GAAP measures of financial results provide useful information to management and investors regarding certain financial and business trends relating to the Company’s financial condition and results of operations. The Company’s management uses these non-GAAP measures for trend analyses and for budgeting and planning purposes. FGNA and the Company believe that the use of these non-GAAP financial measures provides an additional tool for investors to use in evaluating projected operating results and trends in and in comparing the Company’s financial measures with other similar companies, many of which present similar non-GAAP financial measures to investors. Management does not consider these non-GAAP measures in isolation or as an alternative to financial measures determined in accordance with GAAP. The principal limitation of these non-GAAP financial measures is that they exclude significant expenses and income that are required by GAAP to be recorded in the Company’s financial statements. In addition, they are subject to inherent limitations as they reflect the exercise of judgments by management about which expense and income are excluded or included in determining these non-GAAP financial measures. In order to compensate for these limitations, management presents non-GAAP financial measures in connection with GAAP results. You should review the Company’s audited financial statements, which will be included in any information or proxy statement, or prospectus or registration statement to be filed by FGNA with the SEC. A reconciliation for the Company’s 2017 through 2020 non-GAAP financial measures to the most directly comparable GAAP financial measures is located in the Appendix pages 40-42. A reconciliation of the 2021P through 2023P non-GAAP financial measures to the most directly comparable GAAP financial measures is not included in this Presentation, because, without unreasonable efforts, the Company is unable to predict with reasonable certainty the amount or timing of non-GAAP adjustments that are used to calculate these Non-GAAP financial measures. Projected Financial Information This Presentation contains financial forecasts, including with respect to the Company’s estimated and projected revenue, revenue growth, Adjusted Net Income, Adjusted EBT, Adjusted EBITDA, and CAGR and margins with respect to Adjusted Net Income and Adjusted EBITDA. Neither the Company’s certified public accountant (“CPA”) nor the independent registered public accounting firm of FGNA or the Company, audited, reviewed, compiled, or performed any procedures with respect to the projections for the purpose of their inclusion in this Presentation, and accordingly, neither of them expressed an opinion or provided any other form of assurance with respect thereto for the purpose of this Presentation. These projections should not be relied upon as being necessarily indicative of future results. Any estimates, forecasts or projections set forth in the Presentation have been prepared by FGNA and the Company in good faith on a basis believed to be reasonable. Such estimates, forecasts and projections involve significant elements of subjective judgment and analysis and reflect numerous judgments, estimates and assumptions that are inherently uncertain in prospective financial information of any kind. As such, no representation can be made as to the attainability of such estimates, forecasts and projections. The recipient is cautioned that such estimates, forecasts or projections have not been audited and have not been prepared in conformity with GAAP. The estimates, forecasts and projections included in this Presentation are subject to a wide variety of significant business, economic and competitive risks and uncertainties that could cause actual results to differ materially from those contained in the prospective financial information, which include, but are not limited to, those mentioned in the prior paragraphs under the caption “Forward-Looking Statements.” The recipient therefore should not rely on the estimates, forecasts or projections contained in the Presentation. No Offer or Solicitation This presentation shall not constitute a solicitation of a proxy, consent or authorization with respect to any securities or in respect of the Transaction. This presentation shall also not constitute an offer to sell, or the solicitation of an offer to buy, any securities, nor shall there be any sale of securities in any states or jurisdictions in which such offer, solicitation or sale would be unlawful. No offer of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act. Website This Presentation contains reproductions and references to the Company’s website and mobile content. The contents of the website and mobile content are not incorporated into this Presentation. Any references to URLs for the websites are intended to be inactive textual references only.

FG New America Acquisition Corp Kyle Cerminara, President Co-Founder and CEO of Fundamental Global (FG) Former Buyside at T. Rowe Price, Point72 and Highside Institutional Investor Magazine Best of Buyside for Financial Sector (2006) FG New America Team Larry Swets, CEO Founded Itasca Financial and sold to Kingsway Financial Services, where he became CEO SPAC Merchant Banker with public company executive and board experience including GreenFirst Forest Products, FG Financial Group and Limbach Holdings Joe Moglia, Chairman Retired Chairman and CEO of TD Ameritrade and former executive at Merrill Lynch Grew TD Ameritrade from $700 million market cap to $20 billion+ market cap and sold to Charles Schwab Chair of Athletics and Former Head Football Coach at Coastal Carolina University Co-Founder of Fundamental Global (FG)

Market Opportunity 150 million have less than $1,000 in savings4 115 million live paycheck to paycheck5 60 million lack access to traditional credit6 Valuation2,3 Implied 2022P Multiples (NOT 2026) 5.0x TEV / Adjusted EBITDA 9.1x P / E 1.4x TEV / Revenue FGNA Investment Thesis Source: Company Filings, SPACinsider and Dealogic; Market as of 3/7/2021 Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2020 located in Appendix pages 40-42; 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021 Defined as having positive GAAP net income for fiscal years ended 2018 through 2020 Adj. Net Income represents Adj. EBT tax-affected at assumed tax rate of 25%. Pro forma for fair market value accounting. 2021P – 2023P include anticipated recurring public company costs; Adj. EBITDA pro forma for fair market value accounting. 2021P – 2023P include anticipated recurring public company costs Excludes any impact of working capital adjustments at close as well as impact of ~5.6 million Sponsor warrants struck at $11.50 and $15.00, ~11.9 million Public Warrants struck at $11.50 and 25.5 million seller earnout shares released at share price hurdles of $12.00, $13.00 and $14.00 Elkins, Kathleen. “Here’s how much money Americans have in their savings accounts.” CNBC.com, Sept 13, 2017 Bureau of Labor Statistics – U.S. Full- and Part-Time Workers; Friedman, Zack. "78% Of Workers Live Paycheck To Paycheck.“ Forbes.com, January 11, 2019 Hamdani, Kausar, et al. “UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints.” NewYorkFed.org, 2019 Not All SPAC Targets Are Created Equal 2 1 5 4 Operating Success 100%+ ’15A – ’20A Revenue CAGR 52% ’17A – ’23P Estimated Revenue CAGR 2021P Financial Highlights2: Revenue of $418mm (+29% YoY Growth) Adjusted Net Income of $66mm (+24% YoY Growth) 3 7 AI-Powered FinTech Platform Balance Sheet $46mm Cash (as of 12/31/2020) $526mm Total Liquidity (as of 12/31/2020) 6 Revenue Diversification 477 SPAC IPOs since 1/1/2020 70 Announced Combinations since 1/1/2021 8 Targets Projecting GAAP Profitability in 2021 Only Profitable Target With 50%+ ’18 – ’20 Revenue CAGR 3 Historically Profitable Targets1

OppFi is Built for the Future Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2020 located in Appendix pages 40-42 Hamdani, Kausar, et al. “UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints.” NewYorkFed.org, 2019 As of 4/2/21 Adj. EBITDA pro forma for fair market value accounting Delivers responsible credit to the Everyday Consumer 1 OppFi has been systematically built to be a leading provider of financial technology to both banks and the Everyday Consumer Superior online reputation (NPS) 3 AI-driven underwriting identifies misunderstood credit profiles 2 Scalable and profitable operating model 4 60mm Lack Access to Traditional Credit1 31% 2020A Adjusted EBITDA Margin3 4-5 months Average Loan Life 85 Net Promoter Score (NPS)2

This Transaction is Not Just About the Numbers Mission-driven organizations TD Ameritrade: To bring financial literacy to every family in America OppFi: To bring financial inclusion to the Everyday Consumer Highly scalable and profitable FinTech business models TD Ameritrade & OppFi We believe OppFi will continue to deliver on its core mission of empowering Everyday Consumers to rebuild their financial well-being Personal OppFi is providing services to consumers that are living paycheck to paycheck We understand the impact that OppFi’s products can have on families shut out of the traditional financial system

Today’s Presenters Jared Kaplan Chief Executive Officer Shiven Shah Chief Financial Officer 7-Time Executive Sal Hazday Chief Operating Officer Yuri Ter-Saakyants Chief Technology Officer John O’Reilly Chief Marketing Officer Chris McKay Chief Credit Officer Elizabeth Simer General Manager, Credit Card Stacee Hasenbalg Chief Compliance Officer Matthew Gomes General Manager, SalaryTap

OppFi’s Vision The Digital Financial Services Destination for the Everyday Consumer

OppFi’s Mission Facilitate credit access Enable savings Build wealth Empower Everyday Consumers to Rebuild Financial Health

Most Americans Lack Savings and Credit Access Hamdani, Kausar, et al. “UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints.” NewYorkFed.org, 2019 Bureau of Labor Statistics – U.S. Full- and Part-Time Workers; Friedman, Zack. "78% Of Workers Live Paycheck To Paycheck.“ Forbes.com, January 11, 2019 Elkins, Kathleen. “Here’s how much money Americans have in their savings accounts.” CNBC.com, Sept 13, 2017 60 million lack access to traditional credit1 115 million live paycheck to paycheck2 150 million have less than $1,000 in savings3

OppFi customers can use proceeds for any unexpected expense We Help Everyday Consumers Solve Everyday Problems Our typical customer: Thick File Median Income Employed Bank Account >30 Years Old Educated No Savings Medical Education Family Car Trouble Housing

Consumers 5 minute application process Instant access to fair, transparent credit Opportunity to build financial health Best-in-class mobile acquisition Alternative data, AI powered underwriting algorithms Industry-leading, tech enabled customer service Banks Value to Bank Partners Value to Customers OppFi Powers Banks to Unlock Credit Access for the Everyday Consumer Best-In-Class Financial Technology Platform

OppFi’s proprietary algorithms powered by AI better predict ability and willingness to repay We Leverage Billions of Data Points to Make Credit Scores Obsolete 10+ Million Repayments 14+ Million Loans 1.5+ Million Attributes per Repayment ~500 Applications AI-Powered Proprietary Scoring Algorithm ~7 Billion Data Points

Mobile Banking & Debit The Digital Financial Services Destination for the Everyday Consumer Our platform leverages proprietary technology to best serve the Everyday Consumer Near Prime Lending Payroll Deduction Lending Auto Lending Credit Cards Digitally enabled lending platform Best-in-class customer experience Real-time data analytics powered by AI ~75% of decisions are automated Diverse marketing strategy Experienced FinTech Management POTENTIAL FUTURE OPPFI PRODUCTS AND CURRENT MARKET PARTICIPANTS LAUNCHED DECEMBER 2020 PLANNED LAUNCH IN H2 2021 ORIGINAL INSTALLMENT PRODUCT Credit Access Loan Point of Sale Lending Mortgage Investment Platform

Vast, Underserved Market Opportunity Elkins, Kathleen. “Here’s how much money Americans have in their savings accounts.” CNBC.com, Sept 13, 2017 US Census Bureau and Experian – Based on adult population of US (~255mm) multiplied by population within 580-669 credit band (~18%) multiplied by ~30% approval rate of target population (~46mm) qualified to receive credit card with $1,500 credit limit Hamdani, Kausar, et al. “UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints.” NewYorkFed.org, 2019 – Based on qualified portion (~30%) of target population (~60mm) receiving $1,500 installment loan issued principal DailyPay, US Bureau of Labor Statistics and US Census Bureau – Based on adult population of US (~255mm) multiplied by employment rate as of February 2021 (~58%) multiplied by the percentage of employed Americans relying on employer-offered financial assistance programs (~36%); assumes ~30% of this target population (~53mm) qualified to receive $2,000 in payroll deduction lending Source US adult population: https://www2.census.gov/programs-surveys/popest/tables/2010-2019/state/detail/SCPRC-EST2019-18+POP-RES.xlsx?_sm_nck=1 US population by FICO band: https://www.fool.com/the-ascent/research/average-credit-score/ Implies Current Penetration of <1% ~$21bn2 Nonprime Credit Cards ~$32bn4 Payroll Deduction Lending ~$27bn3 Installment Loans Represents recent and planned product expansions in adjacent markets ~150 million U.S. Adults with Less Than $1,000 in Savings1

Robust Customer Demand More than 2.5 million applications annually, of which 80% are mobile generated Leading Proprietary Credit & Technology Platform Real-time AI drives automation for ~75% of decisions Exceptional Customer Satisfaction Net Promoter Score of 85; 10,000+ online customer reviews with 4.9 / 5.0 average rating Key Company Highlights Consistent Growth 100%+ 5 year Revenue CAGR1 GAAP Profitability since 2015 Projected Adj. Net Income of ~$66mm in 2021 and ~$88mm in 20222 Significant Scale Facilitated $2.3+ billion in issuance covering 1.5+ million loans 2015 – 2020 Adj. Net Income represents Adj. EBT tax-affected at 25% assumed tax rate. Pro forma for conversion for fair market value accounting. Includes anticipated recurring public company costs. 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021

Customers Praise OppFi “You gave me a chance when no one else would” “The entire process was a breeze” “Terms were very reasonable...and transparent” “No penalties for early payoff” Accredited Business Unrivaled Customer Satisfaction Regardless of Credit Band1 Note: Loans made or arranged pursuant to a California Financing Law Lenders License As of 4/2/21 85 Net Promoter Score Reviews 1,487 l Excellent 4.8

Employees are Highly-Satisfied Impressive Growth 2016 2017 2018 2019 2020 #445 #219 #340 #321 #539 Building a Tremendous Employee Culture 2018 & 2019 Best Places to Work 2019 Best Places to Work Chicago 2018 Best Places to Work 2018 Top Chicago Workplace

The OppFi Advantage A platform that puts you in control

Scalable, Diversified, Next Generation Marketing Platform Represents Search Engine Optimization, Email Marketing, Customer Referrals, Strategic Partnerships and Other Represents marketing cost per funded loan for new and refinance loans Marketing Partners powered by OppFi’s proprietary API – “Leads Decision Engine” …plus 50+ others Highly transferable marketing technology stack will drive new product growth Decreasing Cost Per Funded Loan Over Time 2 Diverse Marketing Strategy Substantial shift away from Direct Mail towards lower cost Non-Direct Mail 1

Proprietary AI Powered, Credit Decisioning Algorithms… Our proprietary algorithms look beyond credit score to instantly identify borrowers who have the ability and willingness to repay …Result in Stable Write-offs by Cohort…1 Decisions Powered By… Consumer Behavior Bank Data Alternative Bureau Data …Despite More Approvals2 Q3 vintages since 2017 OppFi analysis of UW4 Score (internal underwriting model) versus Vantage 4 Score 29% more loans approved than by traditional credit scores Half of OppFi’s loans are awarded to customers with less than 550 FICO Income Data Employment Data Marketing Source

…Powered by Modern and Leverageable Technology Stack Modern Data Warehouse Real-time Data & Analytics Machine Learning Microservice Infrastructure Bank Verification Income Verification Continuous A/B Testing $18 Million 2020 Technology Spend1 Technology spend represents cash expense of full time employees and vendor spend ~45% Percentage of corporate employees in technology, product, credit or analytics Leads Decision Engine 100% Cloud Platform AI Powered Conversion, Approvals & Servicing Next Best Action Workflow Optimization

Driving Operational Leverage via Automation and Productivity Tools Increasing Automated Approvals1 Increasing Application Conversion1 Preliminary March 2021 data Continued increases in operational leverage positions OppFi well for post-COVID demand

Integrated framework designed around three layers of defense Protected by Bank Level Compliance Infrastructure Ownership All business units are responsible for identifying and managing risks Assurance Fair Lending, BSA/AML, Compliance and TILA reviewed by external firms Examined by State Licensing Agencies Participates in FDIC examinations of Bank Partners Audited quarterly by Bank Partners Challenge Compliance Program Complaint Handling Training Monitoring Issues Management Advisory Policies Risk & Controls Risk Assessments BSA/KYC/OFAC Checks Vendor Suspicious Activity Monitoring Governance Change Management Compliance Committee Fair Lending, New Initiatives, Social Responsibility Committee Legal Regulatory Updates Government Relations 50+ OppFi employees dedicated to compliance activities

The OppFi Customer Journey

Product Demo - Typical Customer Journey Graduate to Mainstream Credit Provide pathway to lower cost, more mainstream products over time, such as Payroll Deduction Loans and Credit Cards “Turn Up” Process Perform diligent search on customers’ behalf for sub-36% APR ~90% of the time no offers of credit returned Servicing & Repayment Deliver Zappos-like customer happiness Customer Applies Online 80% Mobile Typically facing a financial emergency Rebuilding Financial Health Reward customers with better pricing over time Offer Financial Education through programs such as OppU Approval & Funding In most cases, instant decisions with next day funding OppFi offers customers a transparent pathway to building credit without trapping them in a cycle of debt

Simple interest, amortizing installment loans with no balloon payments No origination fees No late fees No NSF fees No prepayment penalties Report to the 3 major credit bureaus Work compassionately with customers who require payment plan modification Credit Access Product – the OppLoan The OppLoan’s Market Leading Terms Underbanked Option APRs Traditionally, financing options for the underbanked have been limited, with exorbitant interest rates and poor customer service A Cheaper, Better Product for Non-Prime Average Loan Amount ~$1,500 Average Term ~11 Months 5 Credit Karma; based on average charge of $34 on average transaction of $24 to be repaid within three days CFPB; from 2017 lawsuit, the annual percentage rates for four tribal lenders’ installment loan products was between 440% and 950% FTC and CFPB; based on title lenders charging average of 25% per month and typical two-week payday loan with a $15 per $100 fee FTC; based on $83/month, 12-month Lease to Own (“LTO”) plan to purchase ~$500 item and $39/week, 48-week LTO plan to purchase ~$600 item Lend Academy; assumes $200 amount financed with $5 finance charge 7 days between the advance and employee’s regularly scheduled paydate 3 2 4 1

SalaryTap Extends Prime Pricing to Non-Prime Consumers We believe facilitating credit access through payroll deduction will significantly improve credit performance, preserving strong unit economics while reducing the cost of borrowing for customers Increased Addressable Market Larger, Lower Priced Loans Multiple Go-to-Market Channels Payroll link allows for broader underwriting of customer and sub-36% APR expands geographic footprint resulting in addressable market of $32B1 Reduced risk premium results in material savings for consumers Lower monthly payments support larger loan sizes to meet customer needs New payroll verification technologies make it possible to distribute SalaryTap via direct to consumer, strategic partnerships, and through employers DailyPay, US Bureau of Labor Statistics and US Census Bureau – Based on adult population of US (~255mm) multiplied by employment rate as of February 2021 (~58%) multiplied by the percentage of employed Americans relying on employer-offered financial assistance programs (~36%); assumes ~30% of this target population (~53mm) qualified to receive $2,000 in payroll deduction lending

OppFi Credit Card Serves as Graduation Pathway Large Opportunity Differentiated Product Mobile Optimized User Experience Graduation product for OppLoans customers that also unlocks ~$21 billion non-prime credit card market1 $1,500 credit limit enabled by sophisticated underwriting that looks beyond FICO/VantageScore Mobile-first application and servicing with instant issuance allows for immediate access to credit Disclaimer: Apple, the Apple logo, Apple Pay®, Apple Watch, Face ID, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc. US Census Bureau and Experian – Based on adult population of US (~255mm) multiplied by population within 580-669 credit band (~18%) multiplied by ~30% approval rate of target population (~46mm) qualified to receive credit card with $1,500 credit limit ®.

Financial Performance

Platform with Proven Ability to Scale Profitably Revenue1,2 Adj. EBITDA1,3 Adj. Net Income1,4 Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2020 located in Appendix pages 40-42 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021 Revenue pro forma for fair market value accounting. The Company is transitioning from an expected credit loss application to a fair market value application acceptable under US GAAP Adj. EBITDA pro forma for fair market value accounting. 2021P – 2023P include anticipated recurring public company costs Adj. Net Income represents Adj. EBT tax-affected at assumed tax rate of 25%. Pro forma for fair market value accounting. 2021P – 2023P include anticipated recurring public company costs ($ in millions) Margin 31% 39% 36% 31% 32% 28% 29% Margin 16% 21% 20% 17% 16% 13% 15% 52% ’17A - ’23P Revenue CAGR 50% ’17A - ’23P Adj. EBITDA CAGR 50% ’17A - ’23P Adj. Net Income CAGR

Credit Card Salary Tap Installment Loans Growth Strategy and Drivers Assumed return to pre-COVID demand Improved conversion rate optimization of acquisition funnel Operational leverage driven by technology gains in automation and productivity Stable credit Employer adoption of financial wellness Maturation of instant payroll verification and allotment tools Extension of customer loyalty to graduation product Potential disruption of large market where current players lack in mobile acquisition and user experience, offer low limit products with high fees as % of principal, and provide poor customer service ($ in millions) 34% ’18A - ’23P CAGR 195% ’21P - ‘23P Growth 102% ’21P - ‘23P Growth Potential for Continued Growth in Receivables 47% CAGR (2018A – 2023P) 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021 1

Exceptional Unit Economics – OppLoan Product Illustrative Lifetime Value of a Customer MOIC ~2.2x Note: Customer average length is 2.5 loans, with ~11 month weighted average life. ~75% of lifetime contribution occurs after the first loan Revenue realized based on amortization schedule adjusted for prepay (lost interest income) and refinancing Represents write-offs net of recoveries assuming ~38% of revenue realized is written-off Assumes $200 cost per funded loan (CPF) on new loans; refinance loans incur no acquisition cost Includes customer center personnel costs (servicing and origination), underwriting and bank processing fees Represents interest expense paid by Company on debt-financed loan portion (82% of original loan) Represents pre-tax income per new loan origination 1 2 3 4 5 6

Reduced Cost of Financing and Strong Balance Sheet Powers Growth Ample debt capacity provides a means to fund future growth without equity Company liquidity position has grown to 5x of 2017 levels Cost of borrowing has decreased 400+ bps since 2017 Diverse list of institutional sources of capital, including Ares and Atalaya Demonstrating increased flexibility in accessing liquidity through corporate credit agreements, asset-backed facilities, bank provided asset-based loans and forward flow arrangements Ample Liquidity ($mm)1 As of 12/31/20

Benchmarking & Valuation

Consumer Finance Originator ü ü ü ü Proprietary AI for Credit Decisioning ü ü ü ü Highly Automated Decisioning ü ü ü ü Utilizes Bank Partnership Model ü ü ü ü Diverse Marketing Strategy ü ü Multiple Years of GAAP Profitability ü Core Delivery Model Bank Sponsored Origination Bank Sponsored Origination E-Commerce Lease to Own E-Commerce Lease to Own Core Customer Demographic Non-prime Near Prime Non-prime Prime Net Promoter Score 85 791 47 78 Capital Markets Execution Hybrid Third Party Institutional Sales2 Warehouse Hybrid Upstart, Katapult and Affirm: Business Comparison Source: Company Filings, Wall Street Research NPS of bank partners’ lending programs Company retains ~3-4% of its originated receivables on balance sheet

2020A Revenue $323 million $233 million $250 million $670 million 2020A Adj. EBITDA Margin 31% 13% 16% Negative EBITDA3 ’18A – ’20A Revenue CAGR 55% 53% 141% 86%4 Product 11 months, $1,500 3 to 5 years, $1,000 to $50,000 10 to 18 months, $100 to $3,500 6 weeks to 48 months, up to $17,500 Market Cap ~$800 million ~$13 billion ~$1.3 billion ~$21 billion 2021P TEV / EBITDA 6.9x >50x 18.9x Negative EBITDA 2022P TEV / EBITDA 5.0x >50x 8.8x Negative EBITDA 2021P P / E 12.2x >50x 27.8x Negative Net Income 2022P P / E 9.1x >50x 13.8x Negative Net Income Upstart, Katapult and Affirm: Financial Comparison Source: Company Filings, Wall Street Research. Market data as of 4/5/21 Note: Enterprise Value includes corporate and operational debt and excludes debt and cash attributable to VIEs. Projections represent mean Thomson consensus estimates. Adj. EBITDA and Adj. Net Income pro forma for fair market value accounting and include anticipated recurring public company costs. 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021; Market Cap excludes any impact of working capital adjustments at close as well as impact of ~5.6 million Sponsor warrants struck at $11.50 and $15.00, ~11.9 million Public Warrants struck at $11.50 and 25.5 million seller earnout shares released at share price hurdles of $12.00, $13.00 and $14.00. Equity value based on FSRV closing share price multiplied by pro forma fully-diluted shares outstanding of 96.2mm plus in-the-money earnout shares of 4.5mm & in-the-money warrants of 1.3mm (using TSM). Based on company investor presentation dated 12/18/20 Based on Adj. Operating Loss Represents revenue CAGR from fiscal year ending June 30, 2019 through last twelve months ending December 31, 2020 1 2

Appendix

Coupled with short duration of product, this customer shows more resiliency than higher credit score segments in economic dislocations Non-Prime Customer More Consistent Following Economic Disruption Source: Federal Reserve Bank of New York Consumer Credit Panel, Equifax, “Personal Loan Performance During Times of Stress” by TransUnion 2016 Note: VantageScore 3.0 Risk Ranges: Prime = 661-720; Near Prime = 601-660; Subprime = 300-600 Represents Auto Market Collapse / Financial Crisis % Change in Delinquency from Before to During Time of Economic Stress 1

Pre-COVID (Avg. 2019) FY2020 Delinquency1 12.4% 10.8% Active communication with customers and willingness to skip payments when requested Charge-Offs3 33% 28% Stimulus + reduced spending + customer loyalty We demonstrated our ability to withstand the most challenging economic conditions Resilient Credit Performance during COVID-19 3.5% 3.2% Avoided hardest hit industries with job loss First Payment Defaults2 Average of quarterly delinquency data Average of monthly FPD data (new and refi) Net Charge-offs as a % of gross revenue

OppFi Current Audited Financials EBT to Fair Market Value EBT Reconciliation ($ in millions) 2017A 2018A 2019A 2020A Current Audited Financials EBT1 $2.6 $9.7 $33.0 $77.5 Loan Loss Reserve Adjustment 6.8 18.7 26.0 1.1 Capitalization Adjustment (1.2) (6.5) (8.3) 4.9 Increase / (Decrease) in FMV 4.7 13.9 17.7 (16.9) Pro Forma Fair Market Value EBT2 $12.9 $35.8 $68.4 $66.7 Taxes3 (3.2) (8.9) (17.1) (16.7) Pro Forma Fair Market Value Net Income $9.6 $26.8 $51.3 $50.0 Note: Excludes transaction expenses Represents Net Income as reported in audited financial statements, as the Company does not have tax liability under current LLC pass-through structure The Company is transitioning from an expected credit loss application to a fair market value application acceptable under US GAAP. Historically under the expected credit loss application, the Company has reserved for life losses due to the short duration of receivables Assumes tax rate of 25%

OppFi Current Audited Financials EBT to Adjusted EBT Reconciliation ($ in millions) 2017A 2018A 2019A 2020A Current Audited Financials EBT1 $2.6 $9.7 $33.0 $77.5 Recruiting Fees, Severance & Relocation 0.2 0.4 0.3 0.2 Amortization of Debt Transaction Costs 0.5 0.5 1.8 1.9 Other Addback and One-Time Expenses2 1.1 0.5 0.5 2.4 Current Audited Financials Adj. EBT $4.4 $11.2 $35.6 $82.0 Taxes3 (1.1) (2.8) (8.9) (20.5) Current Audited Financials Adj. Net Income $3.3 $8.4 $26.7 $61.5 Note: Excludes transaction expenses Represents Net Income as reported in audited financial statements, as the Company does not have tax liability under current LLC pass-through structure Includes one time implementation fees, stock compensation expenses, IPO readiness costs and management fees Assumes tax rate of 25%

OppFi Fair Market Value EBT to Fair Market Value Adj. EBT and EBITDA Reconciliation ($ in millions) 2017A 2018A 2019A 2020A Pro Forma Fair Market Value EBT $12.9 $35.8 $68.4 $66.7 Recruiting Fees, Severance & Relocation 0.2 0.4 0.3 0.2 Amortization of Debt Transaction Costs 0.5 0.5 1.8 1.9 Other Addback and One-Time Expenses1 1.1 0.5 0.5 2.4 Pro Forma Fair Market Value Adj. EBT $14.7 $37.2 $71.0 $71.2 Taxes2 (3.7) (9.3) (17.8) (17.8) Pro Forma Fair Market Value Adj. Net Income $11.0 $27.9 $53.3 $53.4 Taxes2 3.7 9.3 17.8 17.8 Depreciation and Amortization 0.9 2.4 4.3 6.7 Interest Expense 6.2 12.0 20.7 19.3 Business (Non-income) Taxes -- 0.3 1.1 1.5 Pro Forma Fair Market Value Adj. EBITDA $21.8 $51.9 $97.0 $98.7 Note: Excludes transaction expenses Includes one time implementation fees, stock compensation expenses, IPO readiness costs and management fees Assumes tax rate of 25%