Explanation:

- Option 1: 6 to 12 months

- Short-term credit typically involves borrowing for a period of less than a year.

- Suitable for addressing immediate or short-term financial needs.

- ?? This is the duration commonly associated with short-term credit.

- Option 2: 2 to 5 years

- Falls into the category of medium-term credit.

- Used for financing needs that are not urgent but don't extend over many years.

- Option 3: 5 to 20 years

- This is generally considered long-term credit.

- Utilized for large investments or projects needing time to yield returns.

- Option 4: 12 months to 5 years

- Spans a range that can cover short to medium-term credits.

- More flexible but isn't specific to short-term credit.