Own a piece of Bayuti.

We want this raise to be open to all our users and to make it as inclusive as possible, and therefore, as with any other raise, we have put the minimum investment at £50. To ensure that the governance moving forward is manageable, we are grouping all investors into Bayutiful Ltd. If you are considering a large investment (£100,000 and above), please reach out to us to discuss the opportunity for you to invest directly into Elite Capital and Management Services.

We are raising £3m in total.

The £3m will be split across four areas:

• Engineering and AI: a faster, smarter Bayuti app and better tools for investors and home buyers
• Growth: reaching more people in the UK and opening Bayuti to Europe, starting with France, Germany, Italy and Spain, but also outside Europe, with the GCC being a natural market for us
• Operations: the people and systems needed to run Bayuti at a bigger scale
• Reserve: held back to keep the business strong and resilient

The minimum is £50. There is no fixed maximum, but we recommend putting no more than 10% of your net assets into investments like this.

• From 4 November 2026: register your interest in the Bayuti app or on bayuti.com
• 6 November 2026: launch event
• From 18 November 2026: investing opens, and you can invest in the app or on bayuti.com

People who register their interest hear first when investing opens.

From 18 November, open the Invest in Bayuti page in the Bayuti app or on bayuti.com. Enter your amount (minimum £50) and tap Invest. If it's your first time investing in shares, you'll answer a few quick questions to check this investment is right for you. You then review the details and confirm. It works the same way as investing in Wakala.

No. Registering your interest is not an investment and doesn't commit you to anything. It just means we'll tell you as soon as investing opens. You decide then whether to invest, and how much.

There are no fees.

You get shares in Bayutiful Ltd, so you own a small part of the company. Every shareholder also gets perks as a thank you:

• Shareholder (from £50): a Founding Shareholder badge on your Bayuti profile, quarterly updates from our CEO and early access to new Bayuti products
• Partner (£1,000 or more): an invitation to our annual shareholder evening in Canary Wharf and a place on our app testing panel
• Founding Partner (£10,000 or more): your name on the Founding Partners wall at our office and a yearly roadmap session with the leadership team
• Founders Circle (£100,000 or more): lunch with the founders and a seat on our sounding board

Perks are a thank you from Bayuti. They are not part of your shares and do not change their value.

Every shareholder gets a quarterly update from our CEO, Anouar Adham, by email and in the Bayuti app. It covers how the business is doing, what we've achieved and what's coming next.

In Portfolio in the Bayuti app, alongside your other Bayuti investments.

It's unlikely for some time. Bayuti is in a growth phase, and growing companies usually put their money back into the business rather than paying dividends. There is no guarantee you will ever receive a dividend.

These shares are not listed on a stock exchange, so there is no ready market to sell them. You will, however, be able to use our resale board. Please note that there is no guarantee that you will find a willing buyer at the price you want to sell your shares at.

Yes. If Bayuti raises money again in future by issuing new shares, the percentage of the company you own will go down. This is called dilution and is normal for growing companies. Your number of shares stays the same, but they make up a smaller share of the company. Please note that you will have the opportunity to buy more shares at each future round based on your holding, and therefore you have a path to reduce or stop dilution by investing in future rounds.

You could lose all the money you invest. Only invest money you can afford to lose, and spread your money across different types of investment.

The Financial Services Compensation Scheme (FSCS) does not protect you if your shares fall in value or the company fails. You are also unlikely to be able to complain to the Financial Ombudsman Service about the performance of your investment.

The raise will complete with a lower amount.

No, once you have confirmed your investment, there is no cancellation period.

Yes, based on our assessment and the fact that we only deal with Shariah compliant products. However, at this stage we will not be looking to get a certification, as we already have a certification on the platform we are operating.

Bayuti is a trading name of Elite Capital and Management Services Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 822039). Bayutiful Ltd, the company you invest in, is not itself regulated by the FCA. Being regulated does not mean your investment is protected or guaranteed.

Islamic Finance Advisory, an independent Shariah advisory firm, certifies Bayuti's products (certificate 2578875-01). You can check the certificate on their public register.