diff --git a/src/actions/borrow.tsx b/src/actions/borrow.tsx
index df442b2..3fdb2d1 100644
--- a/src/actions/borrow.tsx
+++ b/src/actions/borrow.tsx
@@ -56,6 +56,11 @@ export const borrow = async (
   let instructions: TransactionInstruction[] = [];
   let cleanupInstructions: TransactionInstruction[] = [];
 
+  const [authority] = await PublicKey.findProgramAddress(
+    [depositReserve.info.lendingMarket.toBuffer()],
+    LENDING_PROGRAM_ID
+  );
+
   const accountRentExempt = await connection.getMinimumBalanceForRentExemption(AccountLayout.span);
 
   const obligation = existingObligation
@@ -90,6 +95,35 @@ export const borrow = async (
     signers
   );
 
+  if (!obligationAccount) {
+    instructions.push(
+      initObligationInstruction(
+        depositReserve.pubkey,
+        borrowReserve.pubkey,
+        obligation,
+        obligationMint,
+        obligationTokenOutput,
+        wallet.publicKey,
+        depositReserve.info.lendingMarket,
+        authority,
+      )
+    );
+  }
+
+  // Creates host fee account if it doesn't exsist
+  let hostFeeReceiver = LEND_HOST_FEE_ADDRESS
+  ? findOrCreateAccountByMint(
+    wallet.publicKey,
+    LEND_HOST_FEE_ADDRESS,
+    instructions,
+    cleanupInstructions,
+    accountRentExempt,
+    depositReserve.info.collateralMint,
+    signers
+  )
+  : undefined;
+
+
   if (instructions.length > 0) {
     // create all accounts in one transaction
     let tx = await sendTransaction(connection, wallet, instructions, [...signers]);
@@ -111,11 +145,6 @@ export const borrow = async (
   instructions = [];
   cleanupInstructions = [];
 
-  const [authority] = await PublicKey.findProgramAddress(
-    [depositReserve.info.lendingMarket.toBuffer()],
-    LENDING_PROGRAM_ID
-  );
-
   let amountLamports: number = 0;
   let fromLamports: number = 0;
   if (amountType === BorrowAmountType.LiquidityBorrowAmount) {
@@ -173,34 +202,6 @@ export const borrow = async (
 
   const memory = createTempMemoryAccount(instructions, wallet.publicKey, signers, LENDING_PROGRAM_ID);
 
-  // Creates host fee account if it doesn't exsist
-  let hostFeeReceiver = LEND_HOST_FEE_ADDRESS
-    ? findOrCreateAccountByMint(
-      wallet.publicKey,
-      LEND_HOST_FEE_ADDRESS,
-      instructions,
-      cleanupInstructions,
-      accountRentExempt,
-      depositReserve.info.collateralMint,
-      signers
-    )
-    : undefined;
-
-  if (!obligationAccount) {
-    instructions.push(
-      initObligationInstruction(
-        depositReserve.pubkey,
-        borrowReserve.pubkey,
-        obligation,
-        obligationMint,
-        obligationTokenOutput,
-        wallet.publicKey,
-        depositReserve.info.lendingMarket,
-        authority,
-      )
-    );
-  }
-
   // borrow
   instructions.push(
     borrowInstruction(
@@ -239,8 +240,8 @@ export const borrow = async (
       type: 'success',
       description: `Transaction - ${tx}`,
     });
-  } catch {
-    // TODO:
+  } catch (ex) {
+    console.error(ex)
     throw new Error();
   }
 };
diff --git a/src/models/lending/borrow.ts b/src/models/lending/borrow.ts
index ab740c4..de71b64 100644
--- a/src/models/lending/borrow.ts
+++ b/src/models/lending/borrow.ts
@@ -17,7 +17,7 @@ export enum BorrowAmountType {
 ///   0. `[writable]` Source collateral token account, minted by deposit reserve collateral mint,
 ///                     $authority can transfer $collateral_amount
 ///   1. `[writable]` Destination liquidity token account, minted by borrow reserve liquidity mint
-///   2. `[writable]` Deposit reserve account.
+///   2. `[]` Deposit reserve account.
 ///   3. `[writable]` Deposit reserve collateral supply SPL Token account
 ///   4. `[writable]` Borrow reserve account.
 ///   5. `[writable]` Borrow reserve liquidity supply SPL Token account
@@ -78,7 +78,7 @@ export const borrowInstruction = (
   const keys = [
     { pubkey: from, isSigner: false, isWritable: true },
     { pubkey: to, isSigner: false, isWritable: true },
-    { pubkey: depositReserve, isSigner: false, isWritable: true },
+    { pubkey: depositReserve, isSigner: false, isWritable: false },
     {
       pubkey: depositReserveCollateralSupply,
       isSigner: false,
diff --git a/src/models/lending/lending.ts b/src/models/lending/lending.ts
index 07206b9..e6c4334 100644
--- a/src/models/lending/lending.ts
+++ b/src/models/lending/lending.ts
@@ -7,4 +7,5 @@ export enum LendingInstruction {
   BorrowLiquidity = 5,
   RepayOblogationLiquidity = 6,
   LiquidateObligation = 7,
+  AccrueReserveInterest = 8,
 }
diff --git a/src/models/lending/liquidate.ts b/src/models/lending/liquidate.ts
index 7e55e80..386dea6 100644
--- a/src/models/lending/liquidate.ts
+++ b/src/models/lending/liquidate.ts
@@ -10,7 +10,7 @@ import { TOKEN_PROGRAM_ID, LENDING_PROGRAM_ID } from '../../utils/ids';
 ///   0. `[writable]` Source liquidity token account, minted by repay reserve liquidity mint
 ///                     $authority can transfer $collateral_amount
 ///   1. `[writable]` Destination collateral token account, minted by withdraw reserve collateral mint
-///   2. `[writable]` Repay reserve account.
+///   2. `[]` Repay reserve account.
 ///   3. `[writable]` Repay reserve liquidity supply SPL Token account
 ///   4. `[writable]` Withdraw reserve account.
 ///   5. `[writable]` Withdraw reserve collateral supply SPL Token account
@@ -57,7 +57,7 @@ export const liquidateInstruction = (
     { pubkey: repayReserveAccount, isSigner: false, isWritable: true },
     { pubkey: repayReserveLiquiditySupply, isSigner: false, isWritable: true },
 
-    { pubkey: withdrawReserve, isSigner: false, isWritable: true },
+    { pubkey: withdrawReserve, isSigner: false, isWritable: false },
     {
       pubkey: withdrawReserveCollateralSupply,
       isSigner: false,
diff --git a/src/models/lending/obligation.ts b/src/models/lending/obligation.ts
index e238e58..567620f 100644
--- a/src/models/lending/obligation.ts
+++ b/src/models/lending/obligation.ts
@@ -63,6 +63,19 @@ export const healthFactorToRiskColor = (health: number) => {
   return '';
 } 
 
+/// Initializes a new loan obligation.
+///	    ///
+///   0. `[]` Deposit reserve account.	    ///   0. `[]` Deposit reserve account.
+///   1. `[writable]` Borrow reserve account.	    ///   1. `[]` Borrow reserve account.
+///   2. `[writable]` Obligation	    ///   2. `[writable]` Obligation
+///   3. `[writable]` Obligation token mint	    ///   3. `[writable]` Obligation token mint
+///   4. `[writable]` Obligation token output	    ///   4. `[writable]` Obligation token output
+///   5. `[]` Obligation token owner	    ///   5. `[]` Obligation token owner
+///   6. `[]` Lending market account.	    ///   6. `[]` Lending market account.
+///   7. `[]` Derived lending market authority.	    ///   7. `[]` Derived lending market authority.
+///   8. `[]` Clock sysvar	    ///   8. `[]` Clock sysvar
+///   9. `[]` Rent sysvar	    ///   9. `[]` Rent sysvar
+///   10 '[]` Token program id	    ///   10 '[]` Token program id
 export const initObligationInstruction = (
   depositReserve: PublicKey,
   borrowReserve: PublicKey,
@@ -89,8 +102,8 @@ export const initObligationInstruction = (
   );
 
   const keys = [
-    { pubkey: depositReserve, isSigner: false, isWritable: true },
-    { pubkey: borrowReserve, isSigner: false, isWritable: true },
+    { pubkey: depositReserve, isSigner: false, isWritable: false },
+    { pubkey: borrowReserve, isSigner: false, isWritable: false },
     { pubkey: obligation, isSigner: false, isWritable: true },
     { pubkey: obligationMint, isSigner: false, isWritable: true },
     { pubkey: obligationTokenOutput, isSigner: false, isWritable: true },
diff --git a/src/models/lending/reserve.ts b/src/models/lending/reserve.ts
index 6356f70..4bf053e 100644
--- a/src/models/lending/reserve.ts
+++ b/src/models/lending/reserve.ts
@@ -204,6 +204,32 @@ export const initReserveInstruction = (
   });
 };
 
+export const accrueInterestInstruction = (
+  reserveAccount: PublicKey[],
+): TransactionInstruction => {
+  const dataLayout = BufferLayout.struct([
+    BufferLayout.u8('instruction'),
+  ]);
+
+  const data = Buffer.alloc(dataLayout.span);
+  dataLayout.encode(
+    {
+      instruction: LendingInstruction.AccrueReserveInterest,
+    },
+    data
+  );
+
+  const keys = [
+    { pubkey: SYSVAR_CLOCK_PUBKEY, isSigner: false, isWritable: false },
+    ...reserveAccount.map(reserve => ({ pubkey: reserve, isSigner: false, isWritable: true }))
+  ];
+  return new TransactionInstruction({
+    keys,
+    programId: LENDING_PROGRAM_ID,
+    data,
+  });
+};
+
 export const calculateUtilizationRatio = (reserve: LendingReserve) => {
   const totalBorrows = wadToLamports(reserve.state.borrowedLiquidityWad).toNumber();
   const currentUtilization = totalBorrows / (reserve.state.availableLiquidity.toNumber() + totalBorrows);