# 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 **V𝑑𝑚** which is calculated by the following formula.

![](/files/7EFBmQDoBr4BmldHsvOG)

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 **𝑉𝑥** assuming that the user has a borrowable amount (in USD) in a particular token is as follows.

![](/files/8Z5nXHt0pWgSxvzLn88H)

Where: 

**BFx:** Borrow factor of asset x


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