Debt management requires in-depth analysis and a clear understanding of the various available options, including debt consolidation, settlement, and negotiation.

To meet short-term financial needs (12–18 months), several credit line options are available. These include factoring, which allows the conversion of trade receivables into immediate liquidity; export credit to facilitate international transactions; and the issuance of guarantees to ensure the fulfillment of contractual obligations.

For medium- and long-term financial needs (over 24 months), the range of credit line options expands. These may include mortgages for the purchase of real estate or durable goods, unsecured loans, leasing for equipment acquisition, export credit to support international sales, bond loans to finance large projects, and promissory notes as financing instruments.