You still fail to understand collateral factor, wh... @officialjustlend

Answer: Collateral factor is a measure of the amount of collateral that is needed to secure a loan or other type of financing. It is usually expressed as a percentage of the total loan amount and is typically between 75% and 90%. In this case, the collateral factor is 85%, meaning that 85% of the loan amount must be secured with collateral in order to obtain the loan. This is a common practice in the lending industry, as it helps to reduce the risk of default by providing a source of repayment should the borrower default on the loan.

What do you mean by this? Factor of what? The utilisation?