# Borrowing

Before borrowing, you need deposit assets to Torches. *Click* [*here*](/docs/guides/depositing.md) *to view tutorial.* **Here is the tutorial on how to borrow on Torches.** 1. After you finish depositing, get on ‘Supplied Assets’ and click 'Collateral' button to stake the asset you want.

2\. Select assets you want to borrow and click the ‘Borrow’ button. Torches support assets including BTC, ETH, USDT, USDC, KCS, SKCS.

The asset collateral factor is as follows:

ASSET	Collateral Factor
KCS	40%
USDT	80%
USDC	80%
BTC	75%
ETH	75%

**Take USDT as an example** 1. Click 'Borrow' button

2\. Enter the amount you want to borrow. Before you click ‘Borrow’, please confirm the relevant information.

3\. When you finish borrowing, you can see the data here.

4\. If you want to repay, get on the ‘Borrowed Assets’ and click 'Manage'.

5\. Click ‘Repay’ and type the amount you want to repay and click ‘Repay’.

If you are interested in borrowing assets on Torches, you can easily apply this function by following this tutorial step by step. Hope you have a great journey on Torches. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.torches.finance/docs/guides/borrowing.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.