In times of economic and geopolitical uncertainty, efficient and profitable liquidity management is becoming increasingly critical for small and medium-sized enterprises (SMEs) and can be a key guarantor of sustainable success.

Whether it’s new investment opportunities, rising costs, or geopolitical upheavals—any business that cannot steer its capital flexibly will fall behind the competition.

AI Becomes Reality—and Changes Cash Requirements

Technological change is no longer limited to large corporations. Artificial intelligence (AI) is also becoming the new standard for SMEs: in marketing, accounting, customer service, and production, AI is changing how decisions are made and processes optimized.

A recent analysis shows that in the United States, up to 35 % of companies already use paid AI models, with particularly high adoption in financial services, IT, and retail.

Source: US Census Bureau, JPMAM, May 2025

For businesses, this means competitiveness increasingly depends on how quickly new technologies are adopted. That requires cash to be strategically available—not tied up—so it can fund short-term software investments, IT integrations, or automation projects.

Investment Pressure Rises—and Capital Must Be Able to React

While SMEs strive to keep pace, the largest tech giants are investing heavily in their infrastructure. The following graphic (not shown here) illustrates how rapidly CapEx and R&D spending by leading hyperscalers (Amazon, Microsoft, Alphabet, Meta) is increasing—especially in cloud and AI.

Source: Bloomberg, JPMAM, Q1 2025

What does this mean for the mid-market? Innovation pressure is growing. Companies must react swiftly when technological trends create opportunities or external shocks demand adjustments—whether in supply chains, software, or infrastructure. Idle capital sitting in a business account is a missed opportunity and limits room for maneuver.

A Possible Solution: UnitPlus Business—Liquidity That Thinks Ahead

UnitPlus Business is designed for companies that want to manage their capital efficiently through any interest-rate environment while keeping it available at all times. Our solution offers:

• Daily availability – invested cash can be accessed within 24 hours on working days
• Attractive returns – by investing in the institutional money market, just as the world’s most successful corporations do
• Transparent control – via a modern, easy-to-use web interface
• Digital integration – future-ready API connectivity for ERP and accounting systems

In this way, working capital becomes a strategic tool.

Conclusion: Flexibility Is No Longer a Bonus—it Is the Foundation

In a world where technologies evolve rapidly and investment cycles keep shortening, companies need a cash strategy that can keep up. With UnitPlus Business, you can actively deploy corporate liquidity—without blocking it.