Borrow That connects neighbors and local businesses to share tools, home goods, gear, and equipment — saving money and reducing waste, one rental at a time.
Search tools, home goods, gear, and equipment from neighbors and local businesses near you.
Whether you're renting or listing, we've made it straightforward.
Last updated: September 23, 2026
These Terms of Service (the "Terms") govern your use of the Borrow That marketplace, website and services (the "Platform"), operated by Borrow That LLC, an Ohio limited liability company ("Borrow That", "we", "us" or "our"). By creating an account, listing an item, booking a rental, making or accepting an offer to buy, or otherwise using the Platform, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Platform.
Every rental arranged through the Platform is also governed by the Rental Agreement between the Owner and the Renter, which these Terms incorporate. If the two documents conflict, these Terms control.
PLEASE READ SECTION 16 CAREFULLY. It requires you to resolve most disputes with Borrow That through individual arbitration rather than in court, and it waives class actions and jury trials, unless you opt out within 30 days.
Borrow That is an online venue that connects people who own tools, home goods, gear and equipment ("Owners") with people who wish to rent them ("Renters"), and lets a Renter offer to buy an item they have rented. Borrow That is not the owner, lessor, lender, seller, buyer, agent, broker or insurer of any item, and is not a party to any rental or sale. Each rental is a contract directly between the Owner and the Renter under the Rental Agreement. Each sale is a contract directly between the two users.
We do not inspect items, verify their condition or safety, or guarantee that any user will perform. Identity verification, ratings, reviews, response statistics, the "Top Lender" mark and similar signals are provided as they are, for your convenience, and are not an endorsement, warranty or guarantee of any person or item.
We facilitate card payments for rentals through Stripe as a limited payment agent for Owners. Receiving a payment on an Owner's behalf does not make Borrow That a party to the rental.
Nothing in these Terms creates a partnership, joint venture, employment, franchise or agency relationship between you and Borrow That or between you and any other user.
If a listing states a security deposit, we place a separate refundable authorization hold for that amount on the Renter's card when the booking is approved. The deposit is held, not charged. The hold is released when the Owner marks the item returned, or by us if the Owner has not reported a problem within a reasonable time after the return date.
If an Owner believes an item was lost, stolen or damaged beyond ordinary wear, the Owner may report a claim through the Platform promptly after the return date. The Renter may respond. We review what is on the Platform record, including the listing, messages and any photos, and decide in good faith whether to capture some, all or none of the hold for the Owner.
An Owner may show an asking price on a listing. A Renter whose booking of that item is approved or completed may make an offer to buy it, and the Owner may accept or decline. That is the whole of what the Platform does for a sale.
You may not list, rent, offer or sell:
You may not use the Platform to harass, threaten, discriminate against, defraud or harm anyone; to circumvent our fees or payment flow; to scrape, copy or interfere with the Platform; to impersonate anyone; to post false reviews; or to break any law. We may remove content, cancel bookings and suspend or remove accounts for any violation, and we may report unlawful conduct to the authorities.
Borrow That provides no insurance of any kind, to anyone. The security deposit described above is the only protection the Platform administers, and it protects the Owner's item, not any person. If you want an item, your property or yourself covered, check your own homeowner's, renter's, business or liability policies before you list or rent, and understand that many policies exclude peer-to-peer rentals.
Tools and equipment can cause serious injury or death when used incorrectly, when worn, or through no one's fault. By renting an item you assume all risk arising from possessing and using it. By lending an item you assume all risk arising from lending it. Each user is responsible for injuries, deaths and property damage they cause, and for any claims that result. Borrow That is not responsible for any injury, death, loss or damage arising from any item or from any interaction between users, whether online or in person.
The Platform, and everything on it including listings, items, user content and trust signals, is provided "as is" and "as available". To the fullest extent permitted by law, Borrow That disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty arising from course of dealing or usage of trade. We do not warrant that the Platform will be available, secure, error-free or uninterrupted, that any listing is accurate, that any item is safe or fit for any purpose, or that any user is who they say they are. Payment processing, identity verification, maps and email delivery are provided by third parties whose failures are not ours.
To the fullest extent permitted by law, Borrow That and its members, managers, officers, employees and agents will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenue, data, goodwill or use, arising out of or relating to the Platform, any rental, any sale, any item or any user, however caused and under any theory of liability, even if we have been advised of the possibility.
To the fullest extent permitted by law, our total liability for all claims arising out of or relating to the Platform or these Terms will not exceed the greater of the service fees we actually received on the transaction giving rise to the claim or one hundred U.S. dollars ($100). These limits apply even if a remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations; where that is so, these limits apply to the fullest extent the law allows.
Disputes between users are between those users. To the fullest extent permitted by law, you release Borrow That and its members, managers, officers, employees and agents from all claims, demands and damages of every kind, known or unknown, arising out of or connected with any dispute you have with another user, any rental, any sale, any item, or any interaction with another user, whether on the Platform or in person. We may, but are not required to, help users resolve a dispute, and doing so does not waive this release.
You agree to defend, indemnify and hold harmless Borrow That and its members, managers, officers, employees and agents from any claims, liabilities, damages, losses and expenses, including reasonable legal fees, arising out of or connected with: your listings, rentals, offers or sales; any item you list, rent or use; any injury, death or property damage you cause; your content; your violation of these Terms, the Rental Agreement or any law; or your violation of anyone's rights. We may take over the defense of any matter subject to indemnification, in which case you will cooperate with us.
Talk to us first. Before starting any formal proceeding, you agree to email hello@borrowthat.com with your name, the transaction and what you want, and to give us 30 days to resolve it informally. We agree to do the same before starting a proceeding against you.
Binding arbitration. If we cannot resolve it, you and Borrow That agree that any dispute, claim or controversy arising out of or relating to these Terms, the Platform, any rental or sale arranged through it, or our relationship, will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The Federal Arbitration Act governs this section. The arbitrator may award the same individual relief a court could, and the award may be entered in any court with jurisdiction. Hearings, if any, will take place in Franklin County, Ohio, or remotely by video.
Small claims. Either of us may instead bring an individual claim in small claims court in Franklin County, Ohio, if it qualifies there.
No class actions. You and Borrow That each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. The arbitrator may not consolidate claims of more than one person or preside over any form of representative proceeding. If this paragraph is found unenforceable as to a particular claim, that claim will be decided by a court in Franklin County, Ohio, and the rest of this section still applies.
Jury waiver. To the extent a claim proceeds in court rather than arbitration, you and Borrow That each waive any right to a jury trial.
Opt-out. You may opt out of this arbitration agreement by emailing hello@borrowthat.com with the subject "Arbitration opt-out", your name and the email on your account, within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms.
Between users. This section governs disputes with Borrow That. It does not govern disputes between an Owner and a Renter, which they resolve between themselves and, if needed, in court, as the Rental Agreement describes.
Exceptions. Either of us may seek injunctive or other equitable relief in court to protect intellectual property or to stop unauthorized use of the Platform.
We may suspend, limit or terminate your access to the Platform at any time, with or without notice, for a violation of these Terms, a pattern of cancellations, claims or chargebacks, a risk to other users, a legal requirement, or any other reason we consider sufficient. You may close your account at any time by emailing hello@borrowthat.com. On suspension or termination, confirmed bookings may be cancelled and refunded, pending payouts may be held until any claims or chargebacks are resolved, and the sections of these Terms that by their nature should survive (including sections 6 and 11 through 20) will survive.
We may change these Terms. For material changes we will update the date at the top, email the address on your account, and ask you to accept the new Terms the next time you sign in before you continue. For other changes, the updated date is your notice, and continued use after that date is acceptance. If you do not agree to a change, stop using the Platform; confirmed bookings made under earlier Terms remain governed by them.
Questions about these Terms? Email hello@borrowthat.com.
Last updated: July 2, 2026
This Privacy Policy explains how Borrow That LLC ("Borrow That," "we," "us") collects, uses, and shares information when you use the Borrow That Platform.
We do not sell your personal information.
Data is stored with our service providers using industry-standard safeguards, including access controls and encryption in transit. No method of transmission or storage is perfectly secure, and we cannot guarantee absolute security.
We use browser local storage to keep you signed in. We do not use third-party advertising cookies.
We retain account and transaction information for as long as needed to operate the Platform, meet legal and tax obligations, and resolve disputes.
You may request access to, correction of, or deletion of your personal information by emailing hello@borrowthat.com. We will respond consistent with applicable law.
The Platform is not directed to and may not be used by anyone under 18.
We may update this Policy; the "Last updated" date reflects the latest revision.
Privacy questions? Email hello@borrowthat.com.
Last updated: September 23, 2026
This Rental Agreement (the "Agreement") applies to every rental arranged through the Borrow That Platform and is a binding contract between the Owner and the Renter of the item. Borrow That LLC operates the Platform and facilitates payment but is not a party to this Agreement. The Renter accepts this Agreement when booking; the Owner accepts it when approving the booking or, for an Instant Book listing, when switching Instant Book on. The Agreement is formed when the Owner approves or Instant Book confirms, and the Platform records the version each party accepted. This Agreement incorporates the Borrow That Terms of Service; if they conflict, the Terms control.
The Owner agrees to rent to the Renter, and the Renter agrees to rent from the Owner, the item identified in the confirmed booking, for the dates and at the daily rate shown at the time of booking (the "Rental"). The confirmed booking on the Platform, together with the Borrow That messages between the parties, is the record of what was agreed. Any extension must be booked through the Platform; time beyond the booked dates without an extension is a late return.
The Renter's card is authorized when the request is submitted and charged when the Owner approves, or when Instant Book confirms, as the Terms describe. The Owner is paid through the Platform. Neither party will pay or accept payment for the Rental outside the Platform.
If the listing states a security deposit, Borrow That places a separate refundable hold for that amount on the Renter's card when the booking is approved. The deposit is held, not charged, and is released when the Owner marks the item returned. It may be captured, in whole or in part, only if Borrow That decides a claim in the Owner's favor after review, as the Terms describe. The deposit is not a limit on the Renter's responsibility under section 7; amounts above it are owed by the Renter to the Owner directly. Neither party will handle a deposit outside the Platform.
The Renter is responsible for loss of, theft of, or damage to the item, beyond ordinary wear, that occurs while the item is in the Renter's care, from pickup until it is returned to the Owner. The Renter's responsibility is the lesser of the reasonable cost of repair or the item's fair market value at the time of loss, plus, where the item cannot be used, the daily rate for a reasonable repair or replacement period. The Owner will act reasonably to keep those costs down.
The Owner may report a claim through the Platform, and Borrow That may apply the deposit hold as the Terms describe. Any amount above the deposit, or where no deposit was held, is owed by the Renter to the Owner directly. The Owner is responsible for pre-existing conditions, ordinary wear, and defects the Owner knew of and did not disclose.
The Renter is responsible for any injury, death or property damage caused by the Renter's possession or use of the item, including to third parties, and will hold the Owner harmless from those claims. The Owner is responsible for injury or damage caused by a defect or hazard the Owner knew of and did not disclose. Each party is encouraged to carry their own insurance; neither the other party nor Borrow That insures anyone. Borrow That has no liability to either party for the item, its use, or any injury or damage.
Cancellations and refunds follow the Terms of Service: a Renter may cancel free until 48 hours before the pickup day, receives half back inside 48 hours, and nothing on or after the pickup day; an Owner who cancels or does not provide the item owes the Renter a full refund, and the cancellation is recorded on the Owner's listings. A party who does not appear at the agreed pickup within a reasonable time, and does not respond in messages, is treated as having cancelled.
If, through the Platform, the Renter offers to buy the item and the Owner accepts, the sale is a separate agreement between the Owner and the Renter alone. Borrow That is not a party to it, processes no payment for it, and provides no warranty, refund, deposit or dispute process for it, as the Terms describe. This Rental Agreement continues, including the return obligation and the deposit, until the parties complete the sale and the item is handed over as sold, at which point this Agreement ends for that item.
Each party will indemnify and hold harmless the other party, and Borrow That, from claims, damages, losses and expenses, including reasonable legal fees, arising out of that party's breach of this Agreement, unlawful conduct, or misuse of the item.
The parties will first try to resolve any disagreement in Borrow That messages, which are the record. Borrow That's decision on a deposit claim is final as to the deposit hold only; it does not decide fault or liability and does not limit either party's rights against the other. Any dispute the parties cannot resolve may be brought in the courts of Franklin County, Ohio, or in the small claims court where the Rental took place. The arbitration agreement in the Terms of Service governs disputes with Borrow That, not disputes between the parties to this Agreement.
This Agreement is governed by the laws of the State of Ohio, without regard to conflict-of-law rules.
This Agreement, the Terms of Service, and the confirmed booking are the entire agreement between the Owner and the Renter about the Rental. The Platform's records, including the booking, messages, photos exchanged in messages, and the recorded acceptance of this Agreement by each party, are the parties' agreed record of the Rental.
Last updated: August 6, 2026
Borrow That connects neighbors to rent tools, gear, and equipment. Every rental ends with a real-world handoff, so here's how the exchange works and how to keep it safe for everyone.
Keep everything on Borrow That. Arrange pickups and pay through the platform. If something goes wrong, an on-platform record of your messages and payment is what lets us help. Anyone pushing you to chat, pay, or "settle up" off-platform is a red flag.
If a listing has a security deposit, Borrow That places a refundable authorization hold on the renter's card when the owner approves the booking — the deposit is held, not charged, and is released automatically once the owner marks the item returned in good condition. If there's damage or loss, the owner reports a claim through the app; Borrow That reviews every claim and only then may charge part or all of the deposit. An owner can never charge a deposit on their own. Keeping your messages and photos on the platform gives us a clear record to resolve claims fairly.
Email hello@borrowthat.com for help with a rental. In an emergency, always contact local authorities first.
Answers to the questions people ask most. Can't find yours? hello@borrowthat.com — a person replies within one business day.
Pick your dates and request the item. Your card is held, not charged. The owner has 48 hours to approve. If they approve, the hold is captured and you arrange pickup in messages. If they decline or don't answer, the hold is released automatically and you're never charged.
The daily rate × the number of days, plus a service fee of 10% + $0.30. The full total is shown before you enter a card. A deposit, if the listing has one, is a separate refundable hold — see below.
A refundable authorization hold on your card, placed only when the owner approves and released when the owner marks the item returned. It is never charged unless the owner files a damage claim and a person at Borrow That reviews it. An owner cannot charge a deposit on their own, and you can respond to any claim before it's decided.
Yes. Cancel up to 48 hours before the pickup day and you get a full refund, including the service fee. Inside 48 hours you get half back. From the pickup day on there is no refund, unless the owner cancels or doesn't provide the item, in which case you get everything back. Once a rental has started, contact us and we'll sort it out with the owner.
Through messages on the site once you've requested the item — you'll see a bell in the header when they reply. Keeping the conversation here is what lets us help if something goes wrong.
Connect a payout account under Dashboard → Account → Payouts. It's handled by Stripe and takes about two minutes. Until it's set up, your listings show but can't be booked. When a rental is approved, the daily rate × days goes to your account; the renter pays the service fee.
File a damage claim from the rental within a few days of the return, with photos. The renter can respond. A person at Borrow That reviews both sides and, if the claim stands, captures part or all of the deposit to you. Photos before and after the handoff are what make this fair — take them.
Yes — open the listing in your inventory and use Blocked dates. Renters can't book those days and they show as unavailable on the calendar.
Yes, today every request waits for your approval. Responding quickly matters: your typical reply time is shown on your listings, and requests left 48 hours are released to the renter.
Because listings with photos get booked far more often than those without. One clear photo in natural light is enough to publish; up to six is better. Large phone photos are resized automatically.
That person completed an identity check through Stripe. Borrow That never sees the ID itself. It's optional and gates nothing — it's a signal for first rentals before either side has reviews.
After a rental, both sides rate each other. Reviews stay hidden until both are in (or 14 days pass), so nobody writes theirs in reaction to the other's. A renter's rating only shows once they have at least two.
No. Names are shown as first name and last initial. Email and phone are never shown to the other party; all contact goes through messages on the site.
Every listing has a Report this listing link at the bottom. You don't need an account. Every report goes to a person at Borrow That, who reviews it and can take a listing down by suspending the account behind it.
Dashboard → Account → Two-step sign-in. Scan the code with an authenticator app and enter the six digits. We recommend it for anyone with a payout account connected.
Dashboard → Account → Delete Account. Your listings are removed. Rental records are kept for the other party's history but are no longer linked to you.
Email hello@borrowthat.com with the item name and, if it's about a rental, the dates. A person reads every message and replies within one business day. For anything urgent during a handoff, see the Safety & Handoff guide.
Create an account to list your gear and manage your inventory.
| Photo | Item Name ↕ | Category ↕ | Daily Rate ↕ | Deposit ↕ | Status ↕ | Actions | |
|---|---|---|---|---|---|---|---|
| Loading inventory… | |||||||
Review each reported claim, then capture some or all of the deposit in the owner's favor, or release it to the renter. Owners cannot move deposit money themselves.
The business in numbers, and what the agents did, day by day. Counts only; nothing on this screen names a person. Agents leave a one-line heartbeat on the month's Agent log issue after every run, and file issues and pull requests for anything that needs you.
Every booking with its four states — booking, payment, deposit and claim — and the Stripe ids behind them. Anything stuck is flagged and sorted to the top. This screen is read-only: use the Claims tab or the Stripe dashboard to act.
Suspending hides the account's listings, pauses them, and blocks every action that spends money or sends mail. Nothing is deleted. Every change is written to the audit log with your id.
| Flags ↓ | Item ↕ | Dates ↕ | Money ↕ | State | People | Stripe | Updated ↕ |
|---|---|---|---|---|---|---|---|
| Loading rentals… | |||||||
Upload a spreadsheet of your inventory and we'll add all items at once. Perfect for large catalogues. Download the template below to get started.
or click to browse
Required columns: title, category, description, daily_rate
Optional: deposit
To rent out your items and get paid, connect a payout account. Renters can only book your listings once this is set up. Payouts are handled securely by Stripe.
A notification on your phone the moment a request comes in, is approved or declined, a message arrives, or someone makes an offer to buy. Email keeps coming either way. Nothing is sent for anything else.
Verify your ID to show a badge on your listings and rental requests. It helps people feel comfortable on a first rental, before either of you has any reviews. Nothing is locked behind it — you can list, book and get paid without it. Stripe checks your ID; we never see it.
We email you when something new is listed near a zip code you searched. Up to five alerts. Create one from any empty search result.
Adds a six-digit code from an authenticator app (Google Authenticator, 1Password, Authy) each time you sign in. If your password ever leaks, your account, your listings and your payout details stay yours.
Permanently delete your account and all of your listings. This cannot be undone. Rental requests you've received are kept for recordkeeping but are no longer linked to you.