# For Borrowers

JPEG'd P2P makes it easy for NFT holders to find lenders by accepting listing offers or by listing their NFTs on their own terms.

Lenders have the option to refinance a loan at any time, provided they offer better terms, ensuring borrowers always get the best terms possible without any additional effort.

Borrowers can view all their NFTs, whether in their wallet, listed, or in loans, in the “My NFTs” tab.

<figure><img src="/files/MaRkMjqNvyucE6ieCNSG" alt=""><figcaption><p>My NFTs tab</p></figcaption></figure>

NFT owners can open a loan by:

* Accepting a collection offer.
* Accepting terms validated by a lender.
* Listing NFTs and waiting for a lender to accept the terms.

Once accepted, the NFT is deposited into an escrow contract, and the borrower receives WETH or USDC, starting interest accrual.


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