> For the complete documentation index, see [llms.txt](https://dev.init.capital/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://dev.init.capital/guides/basic-interaction/borrow-and-repay.md).

# Borrow and Repay

## Borrow

Users can borrow tokens into their positions. Only the position owner or approved party to modify can call this function. The function returns a user's debt shares from the total borrows of the lending pool. Users can specify the receiver address to receive the tokens.

{% hint style="info" %}
The position must be in a mode that allows the borrow token to be used.
{% endhint %}

```solidity
// Example borrow function
function borrow(uint256 posId, address lendingPool, uint256 amount, address receiver) external returns (uint256 debtShares) {
    // 1. borrow tokens to a position
    debtShares = IInitCore(INIT_CORE).borrow(lendingPool, amount, posId, receiver);
}
```

## Repay

Users can repay their positions to increase the position's health factor.

{% hint style="info" %}
Users must have underlying tokens in their wallet and pre-approve the token to InitCore.
{% endhint %}

{% hint style="info" %}
For best practice, it is recommended that the caller approves the contract with an amount slightly higher than the pre-calculated debt amount, since the interest may accrue over time between the transaction submission to the network and the actual execution and inclusion onto the blockchain.
{% endhint %}

```solidity
// Example repay function
function repay(uint256 posId, address lendingPool, uint256 repayShares) external returns (uint256 repaidAmount) {
    // 0. .. pull in repay tokens from the caller ..
    
    // 1. calculate the token amount to repay
    uint256 repayAmount = ILendingPool(lendingPool).debtShareToAmtCurrent(repayShares);
    
    // 2. user approves underlying token with a bit extra amount
    IERC20(underlyingToken).safeApprove(INIT_CORE, repayAmount);
    
    // 3. repay
    repaidAmount = IInitCore(INIT_CORE).repay(lendingPool, repayShares, posId);
}
```


---

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