# Borrowers

LEND offers individuals and protocols efficient access financial services. The protocol is completely permissionless, transparent, and totally non-custodial. Borrowers can leverage their supplied collateral to create overcollateralized borrows without a large fear of liquidations and margin calls. 

Borrowers could include anyone! From hedge funds to everyday investors. Anyone providing collateral can borrow.

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**Fun Fact!** As all borrowing on LEND requires you to supply tokens first, this means that even borrowers will receive $LEND & can earn a share of protocol revenue. 
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To get started with borrowing assets you'll need to understand the basic concepts:

{% content-ref url="borrowers/how-does-borrowing-work" %}
[how-does-borrowing-work](https://lend.gitbook.io/lend-en/features/borrowers/how-does-borrowing-work)
{% endcontent-ref %}