Two kinds of "borrow"

Solution 1:

This is an excellent question. But, I do not believe that English has a sense of a difference between the two concepts.

Borrow and lend are opposite sides of the same equation. To lend is to allow someone to borrow. To borrow is to take someone else's loan.

I think you will have a greater peace with the idea if you think of borrowing money (or other valuable commodity) as being a loan of the fiat value of the money, and not the cash itself. Hence, you are returning the same item.

Solution 2:

The word you're looking for (though it's an adjective) is fungible. A fungible item is one, such as money, where all versions are treated as identical: if you borrow $10, it's not expected that you somehow return the literal same $10. Non-fungible items are not treated as identical: if you borrow somebody's car, it's expected that you return that exact car, not some similar car or even another car of the same make and model.

While all forms of "borrow", "lend", etc have the same general meaning, you can specify something as being a fungible or non-fungible loan.

Of course, it's even less common in English than Hebrew, so most people other than economists and lawyers won't know what you're talking about.