Cumulus is a cloud-based business management solution provided by Twenty Third Century Systems (TTCS) for small and medium enterprises (SMEs). It offers integrated financial, HR, and logistics management functionality through a single solution hosted online. Users pay a subscription fee per user and TTCS takes care of maintenance and updates, eliminating the need for expensive on-premise software and IT support. The solution aims to help SMEs streamline operations, increase insights, and reduce costs through a complete cloud-based system running on proven SAP Business One software.