CashPlus SME: Liquidity management for German SMEs

Together with Goldman Sachs Asset Management, we are taking the profitability and flexibility of corporate liquidity to a new level. Increase your return on capital with 3.81%* p.a. and have full access to your capital at all times. As special assets your company capital has additional security.

*As at February 2024, before total costs of 0.3%-0.4%, depending on the amount invested.

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Together with Goldman Sachs Asset Management, we are taking the profitability and flexibility of corporate liquidity to a new level. Increase your return on capital with 3.81%* p.a. and have full access to your capital at all times. As special assets your company capital has additional security.

*As at February 2024, before total costs of 0.3%-0.4%, depending on the amount invested.

Everything that company liquidity needs.

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Everything that company liquidity needs.

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Rentability

By using an actively managed money market fund, company’s liquidity can generate a return on investment from the first euro, which is higher than overnight and fixed-term deposit accounts and permanently optimizes the interest rate environment.

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Flexibility

Deposits and withdrawals are possible at any time and provide full flexibility if money is only parked for a short time or unexpectedly needed for entrepreneurial activities.

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Security

With an invested volume of over €20 billion, the Goldman Sachs money market fund is highly liquid and invests the money in a broadly diversified manner, which significantly reduces the concentration risk compared to investing in a bank account.

Do you want to use CashPlus SME as a co-pilot for your corporate liquidity?

Sign up for the waiting list.

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This is how CashPlus SME works:

Registering and setting up CashPlus SME is simple and time-saving, so that no operational resources are tied up and that no special expertise is required.

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Step 1

The one-time registration and opening of a company custody account with UnitPlus is done digitally. You can find out once the product is live here about the requirements.

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Step 2

After registering, you can make deposits of any amount, which are automatically invested in CashPlus SME and earn yield every working day to make the most of the compound interest effect.

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Step 3

For payouts, we provide all the necessary documents required for accounting. In addition, we provide monthly updates on the product’s performance and money market investments.

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Total balance

Return after costs

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As of March 2024

With CashPlus SME, the company’s capital works towards operational success in a return-oriented manner.

Security at the highest level.

Company liquidity is used for the growth of business activities. However, managing liquidity to optimize the return on capital can only be beneficial for the company if it is secure. CashPlus KMU was developed under this premise:

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Safe custody

All deposits are protected in the corporate custody account as special assets against the insolvency of our partners or UnitPlus.

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Renowned partners

With Goldman Sachs, we are working with one of the world’s most renowned and leading partners in the money market sector.

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Broad diversification

Whereas bank deposits are unsecured liabilities on a bank’s balance sheet, with CashPlus SME the investment is spread globally across the money market, which protects the invested capital much more effectively against possible bank insolvencies and cluster risks.

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State-of-the-art technology

CashPlus SME has been developed according to the latest technical standards and is characterised by its simple, secure use.

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Whereas previously only large corporations had access to the money market via an international investment bank, UnitPlus business offers SMEs the same advantages, but without the need for an extensive finance department and know-how within the company. This saves time and financial resources.

CashPlus SME pays for itself from the first day after registration and helps to strengthen the short and long-term capital cushion for sustainable company success, regardless of the interest rate environment.

For small and medium-sized enterprises. For hidden champions. For simply everyone who wants to invest company capital smartly.

Join the wait list