F . T . G   C O N T R A C T O R S
Creating Legacies.
Investment Proposal

From the
Ground up.

Confidential · Private Placement · May 2026
SeekingAED 20,000,000
Active PipelineAED 100 Million+
Prepared byEve & Tadiwa
F T G   C O N T R A C T O R SContents · May 2026
Investment Proposal · May 202602 / 21
Index · 2026

Table of
Contents.

Built in the order it is presented. Each section answers one investor question, then hands to the next.

Four movements. Who we are, what we have delivered, why capital and where it goes, and what the capital returns.

01

What is FTG

A vertically integrated marble house

04
02

The Founders

The two operators who sign the contract

05
03

The Operating Team

Engineering, commercial, pipeline and finance

06
04

What We Specialise In

Supply to fit, owned end to end

07
05

Completed Projects

Delivered work, realised profit, the work up close

09
06

Why Additional Funding

AED 132M signed against sequential capacity

12
07

Capital Deployment

Where each dirham of the AED 20M goes

13
08

Phased Execution

Workforce mobilisation and parallel delivery

14
09

Returns & Coverage

Profit projections, debt coverage, profit share option

16
10

The Pipeline

Signed contracts and where the market is moving

17
11

The Ask & Contact

Terms, what the capital unlocks, next steps

19
12

Appendix · Risk

Payment, labour, cost and execution risk

20
I
Movement I

Who we are.

The house, the founders, the operating team, and the specialisation that holds it all together. One company, one point of accountability, from quarry to finished surface.

01 · What is FTG02 · Founders03 · Team04 · Specialisation
F T G   C O N T R A C T O R S01 · What is FTG
Investment Proposal · May 202604 / 21
01

A vertically integrated marble house.

FTG owns the stone from quarry to finished surface. That is the whole model.

We source rare African marble directly. We design every application in house. We install it on site with our own team. Owning the full chain removes middleman markups and protects the margin on every square metre we sell.

i

Vertical Integration

We grew from a supplier, FTG Stones, into a full service contractor. We now capture the entire project lifecycle, and that lifts the value of every order we sign.

ii

Exclusive Supply Chain

We hold proprietary access to African marble varieties that no one else brings into the UAE. In a crowded stone market, the supply chain is our moat.

iii

High Growth Market

We sit inside the UAE's ultra luxury residential and commercial boom, selling into the fastest growing segment of the market.

iv

End to End Execution

One point of accountability across sourcing, 3D design, precision moulding and structural fitting. Our clients carry less risk because one team answers for everything.

Client Base
DevelopersSobha · Dubai Holdings · Nakheel
Main ContractorsDesert Group · Ellington
Project ManagersAl Shrfah Building Contracting LLC
Private ClientsBlue Heaven
F T G   C O N T R A C T O R S02 · The Founders
Investment Proposal · May 202605 / 21
02

The founders.

Two founders, complementary remits. Together they sign the contract and stand behind the finish.

One holds the commercial and capital story. The other holds the craft, the material and the design language.

Tadiwa
Zivanai

Founder & CEO

Tadiwa founded FTG Stones and leads it as chief executive. Across the Dubai stone trade she is known for a distinct point of view on luxury surfaces, and three years inside the industry have made her the commercial and design voice of the company.

Her craft training comes from the Surface Care Pros Learning Institute. It is the technical foundation the company sells against: differentiating marble, terrazzo, limestone and travertine, masking and protection, honing and polishing, fabrication and installation.

Under her leadership FTG has expanded its product line, won new clients and built a reputation for innovation. The throughline of her work: transforming spaces with timeless beauty, and Creating Legacies.

Experience3+ years, stone industry
TrainingSurface Care Pros Learning Institute
RemitStrategy · Design · Product

Eve Tuwilika
Kayofa

Director & CFO

Eve is FTG's director and chief financial officer. She brings a decade across construction, business and real estate, and a career defined by hands on ownership and the discipline of running operations end to end.

She began in the competitive Namibian sales market at Business Nhinda Properties, where she sharpened the negotiation and client skills the company now relies on. She then owned and ran a construction and real estate company of her own, carrying both commercial and delivery responsibility.

In Dubai she moved into the high end property and construction sector, building networks with luxury clients and the financial infrastructure that underwrites FTG's growth.

Experience10+ years across three markets
MarketsNamibia · Dubai · UAE wide
RemitFinance · Sales · Operations
F T G   C O N T R A C T O R S03 · The Operating Team
Investment Proposal · May 202606 / 21
03

The operating team.

Four operators under the founders, each owning the discipline that turns a signed contract into delivered revenue.

Gideon Odion Ataya

Engineer · Senior HSE Manager

Owns site engineering, structural fitting standards and safety governance on every active project. His sign off is the technical accountability that lets a developer underwrite an FTG mobilisation without hesitation.

Engineering · HSE · Site Supervision

Nyasha Muchochomi

Business Development

Owns the top of the funnel. Developer relationships, main contractor partnerships and the qualified pipeline that keeps the delivery team loaded across multiple sites.

Pipeline · Partnerships · Outreach

Amandah Masango

Head of Sales, Commercial Strategy & Contracts

Carries the heaviest commercial weight on the bench. Her background spans Transport for London, Network Rail, National Grid and KONE Gulf, with Harvard Business School credentials in business strategy and digital transformation.

Sales · Contracts · Commercial Governance

Ann Mbatia

Accountant

Holds the books. Project costing, contract collections, payables and the financial reporting that lets the CFO and the investor see the same numbers at the same time.

Accounting · Reporting · Controls

"We built FTG because Dubai deserves marble with a story, sourced, shaped and set by one accountable team."

Founders' Note
F T G   C O N T R A C T O R S04 · What We Specialise In
Investment Proposal · May 202607 / 21
04

Supply to fit, owned end to end.

We collapse three vendors into one. One team sources the stone, designs the application and installs it on site.
The problem we solve

UAE luxury developers lose money to the same failures on every project. Plain stone that does not match the ambition of the building. Unreliable subcontractors that miss handover dates. Rework that eats developer margin. Fragmented supply chains. And no single party accountable from slab to site.

FTG was built to remove every one of them.

i

Rare and unique marble supply

We secure the finest marble in Africa. Varieties with no competing source in the UAE, the kind of stone that differentiates a villa from the other fifty on the same street. The supply chain is the moat, and we own it.

ii

Integrated execution model

Material supply and skilled labour under one roof. The slab you specify is the slab that lands on site, cut by the team that priced it. One contract, one point of accountability, and no finger pointing when something goes wrong.

iii

Finishing discipline

Strict timelines enforced on site. Supervision by the founding team on every project. Consistent workforce management, so the same hands finish what they started. Direct sourcing, cutting cost and lifting margin on every square metre.

II
Movement II

What we have delivered.

Completed work across Dubai with realised contract values and realised profit. These numbers are not projections. They are already on the books, and the active pipeline is underwritten against them.

05 · Completed Projects05.1 · The Work Up Close
F T G   C O N T R A C T O R S05 · Completed Projects
Investment Proposal · May 202609 / 21
05

Delivered, finished, signed off.

We have delivered 24 million dirhams of work and kept 3.76 million as profit. Realised, not projected.

Four projects, four different scopes, one accountable team. The blended margin across all of it is 15.7 percent.

ProjectClientScope Value (AED)Profit (AED)Margin
Business BayCompletedDubai HoldingsPavers, streetlight, foundations10,000,0002,000,00020.0%
Blue HeavenCompletedPrivate ClientPalm Jumeirah · construction & finishing7,000,000500,0007.1%
Sobha Hartland 2CompletedSobhaTiling, marble, finishing2,000,000480,00024.0%
Private Villa, DubaiCompletedPrivate ClientTravertine wet room5,000,000780,00015.6%
Total Delivered24,000,0003,760,00015.7%
24MAED delivered on contracted scope
3.76MAED realised net profit
15.7%Blended net margin across all work
0Defect liability claims outstanding
F T G   C O N T R A C T O R S05.1 · The Work Up Close
Investment Proposal · May 202610 / 21
05.1

The work, up close.

The same delivered portfolio, on site and in stone.

Sourcing, fitting and finishing carried out by one accountable team across Dubai and Palm Jumeirah.

Blue HeavenPalm Jumeirah · Marble FinishingAED 7.0M
Private VillaTravertine Wet RoomAED 5.0M
Business BayDubai Holdings · Pavers & StreetlightAED 10.0M
Sobha Hartland 2Tiling · Marble · FinishingAED 2.0M
Private VillaTravertine Pool Deck
Private VillaNatural Stone Facade
III
Movement III

Why capital, where it goes.

The pipeline is signed and a flagship site is already producing. Capital closes the gap between contracts won and the capacity to deliver them in parallel. Every dirham is allocated, and every line is tied to a signed contract.

06 · Why Additional Funding07 · Capital Deployment08 · Phased Execution
F T G   C O N T R A C T O R S06 · Why Additional Funding
Investment Proposal · May 202612 / 21
06

Signed work is waiting on capacity.

We have signed AED 132 million of work. The capital lets us deliver it in parallel instead of one site at a time.

Today FTG delivers sequentially, financing each project from the last one's collections. The signed pipeline is now more than five times our delivered history. The funding pays for the workforce, the materials at volume and the cashflow bridge that lets multiple sites run at once. No speculative expansion. No new vertical. The capital follows contracts already signed.

132MAED signed & active pipeline
5,150Villas under signed contracts
Already operational · Dubai Islands Live Site

This is not a cold start. FTG is mobilised today on a 636 villa development delivered in phased releases, executing structural works across its first releases. Capital accelerates a site that is already producing.

9 villasIn simultaneous execution
500 m³Structural concrete monthly
3,000 m³Monthly output target at scale
i

Workforce Capacity

Scale skilled labour to run multiple sites in parallel without quality loss across handover phases.

ii

Materials at Scale

Secure containers of African marble at volume pricing against signed contracts on the active pipeline.

iii

Operational Efficiency

Systems, yard capacity and supervision layers that compound in margin across every subsequent contract.

iv

Multiple Projects in Parallel

Convert the AED 100M+ pipeline from sequential delivery to parallel delivery across multiple active sites.

F T G   C O N T R A C T O R S07 · Capital Deployment
Investment Proposal · May 202613 / 21
07

Capital, transparently allocated.

Eleven allocations. Every line tied to a function that converts the pipeline into delivered revenue.

The largest single line is project cashflow bridging, because that is what the capital is really for: materials before payment, mobilisation gaps, and parallel sites.

AED 20M Total allocation · single tranche
i
Outsourced bridge labourPhase 1 cover during recruitment
560,0002.8%
ii
In house workforce setupSalaries, accommodation, transport, tools
1,620,0008.1%
iii
Recruitment, visas, flightsFull workforce mobilisation
1,500,0007.5%
iv
Management & core team runwayAdmin, procurement, supervisors, safety
450,0002.3%
v
Founder compensation runwayCEO and CFO operating runway
540,0002.7%
vi
Transport assetsCompany buses, site mobility
300,0001.5%
vii
Office and labour housingOperational base and accommodation
749,0003.7%
viii
Equipment & site setupTools, plant, site infrastructure
400,0002.0%
ix
Marble & porcelain inventoryRevenue engine, quick turnaround capability
3,500,00017.5%
x
Working capital bufferSalary continuity, payment delay cover
2,000,00010.0%
xi
Project cashflow bridgingMobilisation gaps, materials before payment, parallel sites
8,381,00041.9%
Total Investment Allocation20,000,000100%
F T G   C O N T R A C T O R S08 · Phased Execution
Investment Proposal · May 202614 / 21
08

Mobilised in sequence.

The workforce is built in two phases, then delivery runs in parallel. Outsourced labour is a bridge, not the destination.

Phase one keeps project activity uninterrupted while the in house team is recruited. Phase two transitions to a 200 worker controlled team that lowers unit labour cost and lifts execution quality.

i

Mobilisation · bridge labour

Phase I

Outsourced workers deployed at AED 2,800 per worker keep contracted scope moving while in house recruitment runs. Higher unit cost, but zero gap in delivery against committed handover dates.

ii

Buildout · two hundred strong

Phase II

Full transition to a controlled in house team at AED 1,900 per worker, a 32 percent unit cost reduction against the bridge phase. Greater productivity, tighter quality control, full oversight by the founding team. The workforce becomes an owned asset, not a rented service.

iii

Delivery · parallel sites

Phase III

With the in house team active across multiple sites, capacity sustains 20 to 24 villas per delivery cycle. A repeatable villa based operating model, dedicated supervisors, controlled scaling. The pipeline converts from sequential to parallel.

200Workers in controlled workforce
20 to 24Villas delivered per cycle at capacity
32%Unit labour cost reduction
2Phase build to owned workforce
IV
Movement IV

What you get back.

The coverage model, the growth path, the signed pipeline that underwrites both, and the terms. The capital is safe because the underlying business generates multiples of what the obligation requires.

09 · Returns & Coverage10 · The Pipeline11 · The Ask
F T G   C O N T R A C T O R S09 · Returns & Coverage
Investment Proposal · May 202616 / 21
09

Coverage, backed by margin.

Villa level economics scale to a profit run rate that covers the annual coupon many times over and clears the principal at maturity.
How the number grows

Three revenue streams run through one delivery team. Contract based projects at 25 percent, material supply at 35 percent, labour execution at 10 percent. The realised 15.7 percent blended margin on completed work validates the model from below the line.

And the scope ladder compounds it: structural packages open the door to tiling, marble and painting on the same villas, building toward main contractor status with the region's largest developers.

Villas per delivery cycle20 to 24 villas
×Profit per villaAED 200,000 to 240,000
=Monthly profit run rateAED 4M to 5.76M
=Annual profit projectionAED 48M to 69M
Coverage vs annual coupon24x to 35x
Alternative structure · Profit share Upside option
30%Investor share of net project profit
70%FTG share, operating partner
25 to 35%Projected ROI on AED 20M capital
ExitRevenue linked, % of inflows until repayment + return
F T G   C O N T R A C T O R S10 · The Pipeline
Investment Proposal · May 202617 / 21
10

Sized to move, priced to win.

AED 132 million signed and active across 5,150 villas. This is the work the capital unlocks.
Tier below · Small subcontractors

Lowest price, lowest reliability. High risk for any developer running numbers on handover penalties.

FTG position · Midlevel contractor

Structured, cost effective, accountable. Small enough to stay flexible, large enough to carry AED 100M+ in active pipeline.

Tier above · Large firms

High overhead, low flexibility. Slower to mobilise and priced for it, which squeezes developer margin on bespoke work.

Signed & active · Current FTG contracts AED 100M+
ContractScopeValue (AED)
Trojan Contractor · Reem Island, Abu Dhabi200 villas · marble fitting20,000,000
Take TarafStructural & finishing46,000,000
Dubai South · Tiling Works800 villas20,000,000
Dubai Island · Structural Works100 villas30,000,000
Damac Villa · Painting Works2,000 villas10,000,000
Yas Island · Tiling Works2,000 villas5,000,000
Dubai Island · Marble Supply50 villas1,000,000
Total Pipeline5,150 villas132,000,000
F T G   C O N T R A C T O R S10.1 · Where the Pipeline Is Moving
Investment Proposal · May 202618 / 21
10.1

Where the pipeline is moving.

The UAE development map FTG is actively tracking and quoting against. Master communities and tier one launches across three emirate markets, each feeding demand for premium stone supply and finishing.

Dubai

Core Market

Active zones: DIFC Zabeel · Deira Islands · Maritime City · Dubai South & South Bay · Palm Jebel Ali · Damac Hills. Tier one launches: Sobha Skyscape · Binghatti Aquarise · Emaar Creek Blue · Ellington Claydon House · Immersive Tower DIFC.

Dubai
Palm Jebel Ali
Villa Communities

Ras Al Khaimah

& Northern Emirates

Active zones: Marjan Island · Al Hamra Island · Hayat Island · RAK Central · Al Qasba & Al Jada, Sharjah · Siniya Island, UAQ · New Ajman Downtown. Launches: Masaar Phase 2 & 3 · Sobha Siniya Island · RAK Central Offices · Al Hamra Waterfront · Anantara Hotel & Residences.

RAK Central
Marjan Island
Waterfront

Abu Dhabi

Capital Expansion

Active zones: Ramhan Island · Fahid Islands · Reem Island · Saadiyat Island · Solea Residence, Saadiyat · Zayed City. Tier one activity: Sphere project · Eagle Hills launches · Sobha's first Abu Dhabi project · new releases from SAAS, TARAF, MERED, MODON and ALDAR · Nobu Hotel & Residences, Saadiyat.

The Sphere · Yas
Saadiyat Island
Ramhan Island
F T G   C O N T R A C T O R S11 · The Ask & Contact
Investment Proposal · May 202619 / 21
11

Twenty million dirhams, three years.

PrincipalAED 20,000,000Senior debt, single tranche
Coupon10% per annumPaid annually in arrears
Term3 yearsBullet repayment at maturity
Total ReturnAED 26,000,0002M coupon × 3 + 20M principal
What the capital unlocks
→ Full execution control across site and supply → Higher profit margins via direct sourcing → Faster delivery on contracted scope → Multi project scalability across sites → Stronger supplier negotiation on volume → Access to larger contracts across developers
Webgroupftg.com
Phone+971 58 551 4844
Emailsales@groupftg.com
Prepared byEve & Tadiwa · May 2026
F T G   C O N T R A C T O R SAppendix · Risk Mitigation
Investment Proposal · May 202620 / 21
A

Risk, engineered out.

Four risk categories sit on every construction contract. Each one is addressed by a specific allocation inside the capital structure or a discipline inside the operating model.

Risk is not absorbed by hope. It is underwritten by design.

i

Payment Delay Risk

The AED 2,000,000 working capital reserve absorbs payment delays of 30 to 90 days on certified invoices. The AED 8,381,000 cashflow bridge covers mobilisation gaps before client advances land. Multi project execution spreads collection risk across counterparties.

ii

Labour Risk

The phased transition from outsourced to in house workforce removes third party dependency. The AED 1,500,000 recruitment and visa allocation secures the workforce inside FTG's control. Owned accommodation and transport keep the team stable across project cycles.

iii

Cost Control

A fixed labour structure at AED 1,900 per worker after transition, with no spot market exposure. Owned transport eliminates per trip rental costs across active sites. Bulk procurement on the AED 3,500,000 inventory secures volume pricing against signed scope.

iv

Execution Risk

Dedicated site supervisors on every active project, with founder oversight at the contract level. Controlled workforce scaling means quality holds as headcount grows. A repeatable villa based operating model, proven across the AED 24M completed portfolio.

F . T . G   C O N T R A C T O R S
Creating Legacies.
groupftg.com  ·  sales@groupftg.com  ·  +971 58 551 4844
Confidential · Private Placement · May 2026