> For the complete documentation index, see [llms.txt](https://docs.brila.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.brila.finance/user-guide/borrow.md).

# Borrow

### Why borrow on Brila?

Borrowers can find capital at competitive rates from a network of global liquidity on Brila. 

Using Brila's infrastructure, borrowers can access capital markets 24/7 with faster settlement than traditional finance systems. 

Borrowers on Brila also have an opportunity to build their public "on-chain" financial reputation and position themselves to access more capital at better rates moving forward.

<figure><img src="/files/YbB9ZITGVO7qw8x7vfHM" alt=""><figcaption></figcaption></figure>

### **Who can borrow on Brila?**

Borrowers on Brila include leading institutions in the crypto industry, as well as "real world finance" borrowers, such as fintechs and credit funds.&#x20;

See below for recent press on Brila borrowers:\
<https://www.pymnts.com/loans/2022/mexican-fintech-uses-defi-to-provide-collateral-free-loans-to-small-businesses/>

### Getting started as a borrower

Borrowers follow a simple process to receive their first loan on TrueFi:

1. **Onboard with a portfolio manager.**&#x20;
   * Borrowers can communicate with managers directly, or reach out to the team via official channels like X to get connected with potential managers in the Brila ecosystem.
   * Complete KYB and negotiate loan terms with a portfolio manager.
2. [**Receive a loan.**](/user-guide/borrow/receiving-a-loan.md)
3. [**Repay a loan.**](/user-guide/borrow/repaying-a-loan.md)