# Borrowing Capacity

The sum of weighted collateral values determined by various Collateral Factors represents the maximum borrowing capacity.

Assume that the maximum borrowing amount (in USD) of a user is **Všš** which is calculated by the following formula.

Where:

**Vdi: **USD value of deposit asset i

**DFj: **Deposit factor of asset i

**Vbj: **USD value of borrowed asset j

**BFj: **Borrow factor of asset j

Based on Patronus' risk control regulations (embodied in the Deposit factor and Borrow factor), the volatility risk of the pre-borrowed token needs to be considered when specifying the amount that can be borrowed in a particular token.

Therefore, the formula for calculating **šš„** assuming that the user has a borrowable amount (in USD) in a particular token is as follows.

Where:

**BFx: **Borrow factor of asset x

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