Borrowing More

borrowMore() increases the outstanding debt on an existing loan, reusing the collateral already deposited. The additional funds are disbursed to the loan’s configured destination (chain, asset and address from the original borrow).

When it’s available

Borrow More draws against the loan’s remaining borrow capacity. It is rejected when the loan is:

Fully repaid — there is no active position to borrow against
Liquidated — no collateral remains
At capacity — the requested amount exceeds the position’s available borrow room

The requested amount is validated against live on-chain borrow capacity before the workflow starts. Its live USD value must also be at least 10 USD. For USDC loans, this means the minimum Borrow More amount is 10 USDC.

Prerequisites

import { BorrowSDK } from '@satsterminal/sdk';

const sdk = new BorrowSDK({
  apiKey: process.env.SATS_API_KEY,
  walletProvider,
});

You need the originalBorrowId of an active loan (from getLoanHistory() or the result of the original executeBorrow()).

Increase the loan

const result = await sdk.borrowMore(loanId, '500', {
  // disbursementFeeBps: 50,          // optional payout fee override (bps)
  trackWorkflow: true,
  callbacks: {
    onStatusUpdate: (status) => console.log(status.label),
    onComplete: () => console.log('Additional funds disbursed!'),
    onError: (error) => console.error(error),
  },
});

console.log('Borrow more transaction:', result.transactionId);
console.log('Workflow:', result.workflowId);

borrowAmount is denominated in the loan asset (e.g. USDC). The loan chain is inferred from the original loan; pass options.chain only to override it.

Workflow stages

Because the collateral already exists, borrow-more skips bridging and runs:

Stage	Description
`INITIALIZING`	Starting the workflow
`PREPARING_BORROW_DEPOSIT`	Preparing the existing lending position; no new collateral is deposited
`PREPARING_LOAN`	Preparing the additional borrow
`LOAN_CONFIRMED`	Debt increased on-chain
`PREPARING_DISBURSEMENT`	Preparing payout of the new funds
`DISBURSEMENT_SUBMITTED`	Destination payout submitted
`DISBURSEMENT_COMPLETED`	Funds sent to the destination
`COMPLETED`	Workflow finished

The flow can terminate at FAILED, DISBURSEMENT_FAILED, or CANCELLED.

Monitoring status

If you do not use callbacks, poll the transaction directly:

const status = await sdk.getBorrowMoreStatus(result.transactionId);
console.log(status.status);

// All borrow-more transactions for a loan:
const history = await sdk.getBorrowMoreTransactions(loanId);

Error handling

try {
  await sdk.borrowMore(loanId, '500');
} catch (error) {
  if (error.message.includes('available borrow room')) {
    // Requested amount exceeds capacity — lower the amount or add collateral first
  }
}

To increase your borrow capacity before borrowing more, add collateral with depositMore().

Overview

Suite

UI Components

Swaps

Borrow

Bridge

Earn

Borrowing More

Borrowing More

When it’s available

Prerequisites

Increase the loan

Workflow stages

Monitoring status

Error handling

​Borrowing More

​When it’s available

​Prerequisites

​Increase the loan

​Workflow stages

​Monitoring status

​Error handling

Borrowing More

When it’s available

Prerequisites

Increase the loan

Workflow stages

Monitoring status

Error handling