> For the complete documentation index, see [llms.txt](https://zklend.gitbook.io/documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://zklend.gitbook.io/documentation/using-zklend/borrow/borrow-amount.md).

# Borrow Amount

Users' ability to borrow will vary according to the users’ deposits and the borrowing asset’s collateral requirements.

### Borrow Capacity

Users’ borrow capacity is a directional indicator, factoring in the value of their assets, their collateral factor, and outstanding liabilities.

$$
Borrow Capacity =  (\displaystyle\sum\_{i=1}^n{Token Value} \* {Collateral Factor})-Risk AdjustedLiabilities
$$

where:

* **Collateral Factor** = similar to LTV ratio, it is a discount factor applied to a user's collateral to determine the maximum borrowing possible. Collateral Factor differs with each asset type pledges as collateral
* **Risk-adjusted Liabilities =** the risk-adjusted value of a user's outstanding liabilities, calculated by dividing the market value of liabilities by the Borrow Factor

### Borrow Limit

While Borrow Capacity is a general gauge for how much more a user could borrow. Borrow Limit pinpoints the actual amount a user could borrow on a targeted asset.

$$
Borrow Limit=  Borrow Capacity\*Borrow Factor
$$

where:

* **Borrow Factor =** factor between 0 and 1 applied to users' liabilities

{% hint style="info" %}
*To view the Collateral and Borrow Factors , refer to* [*Asset Parameters*](/documentation/using-zklend/technical/asset-parameters.md)*.*
{% endhint %}

{% hint style="info" %}
*To view your Borrow Limit, first select the asset you wish to borrow and then use the borrow pop-up.*
{% endhint %}

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