As flexible as a savings account, more profitable than a term deposit – rethinking corporate liquidity.

As with the most successful companies worldwide, the investment is made through the institutional money and bond markets. This allows your company’s liquidity to be invested in a maturity-appropriate and interest-optimized manner—regardless of the current interest rate environment. This professional approach ensures that your surplus capital does not remain unused, but instead continuously works for you in the best possible way, tailored to your individual liquidity needs.

Mit dem modernen Finanz-Cockpit von UnitPlus Business stehen Ihnen drei flexibel kombinierbare Anlagelösungen zur Verfügung, die optimal auf unterschiedliche Anlagehorizonte abgestimmt sind:

1. Tagesgeld-Alternative: Diese Lösung ist besonders für kurzfristig verfügbare Mittel geeignet. Sie orientiert sich eng am Einlagenzinssatz der Europäischen Zentralbank und bietet so eine attraktive Zinsrenditen.

2. 3-Monats-Euribor: Ideal für Anlagezeiträume von einigen Wochen bis wenigen Monaten. Im Vergleich zur Tagesgeld-Alternative lässt sich hier eine um rund 0,20 % höhere jährliche Zinsrendite erzielen.

3. Treasury-Anlage: Für Mittel, die für längere Zeiträume (mehrere Monate) nicht benötigt werden, bietet die Treasury-Lösung Zugang zum Anleihemarkt. So kann zusätzlicher Ertrag bei gleichzeitigem Fokus auf Sicherheit und Stabilität generiert werden.

Alle Anlagemöglichkeiten sind jederzeit miteinander kombinierbar. Sie behalten stets die volle Kontrolle über Ihre Firmenliquidität – Ein- und Auszahlungen sind zu jeder Zeit möglich, ohne feste Bindungsfristen.

Eligible for UnitPlus Business are the legal forms GmbH, GmbH & Co. KG, UG, KG, AG and GbR that are resident in Germany for tax purposes and do not conduct business in high-risk countries or are financial services institutions within the meaning of the German Banking Act.

The prerequisite is that the company has no more than 3 beneficial owners (voting/controlling rights >25%) in the company. Ideally, the company’s legal representative should also register. Further legal representatives can be added later in the process.

The minimum investment is €1,000.

The Legal Entity Identifier (LEI) is a 20-character alphanumeric identifier used to uniquely identify legal entities involved in financial transactions.

The purpose of the LEI is to create transparency in the global financial system by enabling the unique identification of companies and other legal entities operating in financial markets. LEIs were introduced to improve risk management, increase transparency and facilitate the monitoring of systemic risks in the financial system. They are issued by authorized authorities or by LEI issuers commissioned by them. The LEI number contains information about the legal entity it identifies, including the legal entity, the country in which it is registered and additional data necessary to clearly establish the identity.

Please note that every company must have a valid LEI in order to actively use CashPlus SME. If your company does not yet have an LEI number, you can apply for one directly during the registration process. The process is completely digital and usually only takes a few hours until activation.

UnitPlus Business provides companies with comprehensive tax information to assist them with the complete declaration of all investment income in their tax returns. Investing companies receive the following information in particular:

– Information on the tax cost valuation and subsequent valuation as at December 31 of a year
– Information on all realized capital gains and losses of a year
– Information on the advance lump sum deemed to have been received, taking into account acquisitions made during the year, if relevant