Leverage is not debt. Credit in times of crisis should be used to leverage projects, not to finance expenses, if you are indebted to finance its expenditure, late or early the crisis will deepen, if you of indebted to leverage projects, late or early project allow you to pay off the debt and emerge from the crisis. Their suppliers and customers are often a source of credit, the first with term and quota of portfolio and the latter with advances and payments to short time, talk with them, seek their support, will certainly be willing to help you, you become part of the same production chain that they and in some form is a necessary link. Debts in times of crisis become more expensive because of the risk of trust that lenders say they have to cover, therefore you should make efficient use of their expenses, i.e. trying to return them profitable, spend in what they can report better benefits for business, not for your personal life, if business improves their personal expenses will not be problem. A level of activity requires a level -specific expenditure, is not that decrease your expenses up to a level at which it is impossible to operate, but be limited to those who are absolute and strictly necessary and have a purpose for the business at the same time, monitor them and measure their results, spend whatever more productive and let do it in what do not produce you any result. Prefer to invest in technology and equipment that will enable you to be more efficient and be prepared for the competition that will come to overcome the crisis, remember that it is not the only one who is working to survive and preparing to emerge from the crisis strengthened. Some competitors inevitably yards, all those whose ego do not allow them to reinvent themselves, they will spend their resources to survive but not prepared to stay which will make them nonviable and uncompetitive, they will leave a space in which you and your competitors will have how to grow and be successful.