Shabbat 148 - How to borrow on Shabbat

In general, financial transactions are forbidden on Shabbat. Prophet Isaiah said that you should honor Shabbat by not pursuing business. However, one can run out of oil or wine on Shabbat or on a Yom Tov and may need more. Enjoying the holidays is also important. How did the Sages solve this dilemma? 

One is allowed to borrow pitches on wine or oil, provided he does not use the term "lend me" but instead says "can I borrow?" In Hebrew, these two terms are different. The first implies a financial loan and may lead to writing down a contract. The second implies consumable goods, where the borrower can return the same kind of produce.

If the lender wants to do good but does not trust the borrower without a written agreement? The lender can offer his cloak as a guarantee

Art: Still Life with Apples and Pitcher by Camille Pissarro