My work Christmas party is on Saturday the 15th of December. I need a cowboy costume.
I have a three piece suit and a hat, but what I really want is to borrow a really nice big revolver and a quality holster.
I’ll take good care of it and return it promptly after the party.
I’m happy to pay if necessary, or I can owe you one (which is not a bad place to be if you ever want to borrow some armour).