In Hebrew there is a difference, although often overlooked in spoken Hebrew, between the word "to borrow" for something that is intended to be returned "as is" such as a tool or a vehicle, and the word "to borrow" for something that will not be returned, but an equivalent replacement such as money (the money returned will probably not be the very same coins or bills but different ones carrying the same value). To my understanding, "borrow" and "lend" don't have that difference in meaning. Is there any English equivalent?