What are some ways (at least two) that cells can increase their (Unicellular and multi-cellular organisms) surface area to volume ratio without splitting into multiple cells? 

One way that cells can increase their surface area to volume ratio without splitting into multiple cells is to fold the membrane. By this, it will decrease the volume and therefore have a larger surface area to volume ratio. 

I need another way, please and thank you

Another way that cells can increase their surface area to volume ratio without splitting into multiple cells is by developing structures such as microvilli or villi.

In the case of unicellular organisms, they can develop surface extensions called microvilli. These are tiny, finger-like projections on the cell surface that increase the surface area for absorption and exchange of nutrients and gases. This enables the cell to have a higher surface area relative to its volume, promoting efficient nutrient uptake and waste removal.

In the case of multicellular organisms, specialized structures called villi can be found. Villi are finger-like projections lining the inner surface of certain organs, such as the small intestine. They greatly increase the surface area available for nutrient absorption, allowing for more efficient digestion and absorption of nutrients.

By employing strategies like folding the membrane or developing structures such as microvilli and villi, cells can increase their surface area to volume ratio, maximizing their capacity for exchange and improving overall cellular function.