About Terramica

Terramica is a distributor of organic Italian products that operates on a direct producer model. Olive oil is our flagship product, but we offer the full range of Italian products, from Venetian salads to mascarpone, fresh gnocchi, or pesto.

Finance is managed by me, with the support of an accountant. Before founding Terramica, I had several years of experience in this field. And we rely on an integrated solution provided by Sage.‍

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The challenge: bridging gaps in working capital

One of the main challenges we face is related to Working Capital Requirement (WCR). The small artisans we collaborate with often cannot offer extended or even limited payment terms. So access to short-term financing is essential to ensure our business runs smoothly and sustainably.‍

The solution: debt financing with Defacto

Defacto is currently our primary partner for debt financing. The solution seamlessly integrates into our overall financial strategy and provides the flexibility needed to meet our changing requirements.

Defacto is a valuable partner that supports us with flexible financing, perfectly tailored to our variable cash flow needs and growth. And as the founder of a small brand, I particularly appreciate the personalised approach and the ability to understand our specific financing needs.

Key advantages

What sets Defacto apart primarily is the simplicity and flexibility of the platform. The ability to make early repayments and flexibility in the duration of financing are major assets that allow us to effectively manage our cash flow and optimise our daily operations.

For us, the biggest opportunity lies in the ability to explore new collaboration opportunities with our producers. With this financial support, we can continue to develop our product range and strengthen our position in the market while maintaining our commitment to quality and authenticity.