> For the complete documentation index, see [llms.txt](https://docs.cream.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.cream.finance/arbitrum/lending/collateral-factor-and-reserve-factor.md).

# Collateral Factor & Reserve Factor

| Contract | Collateral factor | Reserve factor |
| -------- | ----------------- | -------------- |
| ETH      | 75%               | 15%            |
| USDC     | 75%               | 10%            |
| USDT     | 75%               | 10%            |