The permissible method is that

A: If the reality is as you mentioned, Zakah is due on the value of the commercial commodities that you have had for a lunar year, and the same applies to any profit from them. Being indebted to people does not exempt you from paying the Zakah on the property that you have. May Allah help you repay your debts! (Part No. 9; Page No. 321) May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.