diff --git a/solend-sdk/package.json b/solend-sdk/package.json
index 16d5b1e5..0af93a5a 100644
--- a/solend-sdk/package.json
+++ b/solend-sdk/package.json
@@ -1,6 +1,6 @@
 {
   "name": "@solendprotocol/solend-sdk",
-  "version": "0.13.29",
+  "version": "0.13.30",
   "private": true,
   "main": "src/index.ts",
   "module": "src/index.ts",
diff --git a/solend-sdk/src/core/actions.ts b/solend-sdk/src/core/actions.ts
index 5c37a5d4..f29b323d 100644
--- a/solend-sdk/src/core/actions.ts
+++ b/solend-sdk/src/core/actions.ts
@@ -83,6 +83,7 @@ type ActionConfigType = {
   environment?: EnvironmentType;
   customObligationAddress?: PublicKey;
   hostAta?: PublicKey;
+  hostPublicKey?: PublicKey;
   customObligationSeed?: string;
   lookupTableAddress?: PublicKey;
   tipAmount?: number;
@@ -194,6 +195,8 @@ export class SolendActionCore {
 
   hostAta?: PublicKey;
 
+  hostPublicKey?: PublicKey;
+
   // TODO: potentially don't need to keep signers
   pullPriceTxns: Array<VersionedTransaction>;
 
@@ -258,6 +261,7 @@ export class SolendActionCore {
     config?: {
       environment?: EnvironmentType;
       hostAta?: PublicKey;
+      hostPublicKey?: PublicKey;
       lookupTableAccount?: AddressLookupTableAccount;
       tipAmount?: number;
       repayInfo?: {
@@ -281,6 +285,7 @@ export class SolendActionCore {
     this.amount = new BN(amount);
     this.positions = positions;
     this.hostAta = config?.hostAta;
+    this.hostPublicKey = config?.hostPublicKey;
     this.obligationAccountInfo = obligationAccountInfo;
     this.pool = pool;
     this.seed = seed;
@@ -422,6 +427,7 @@ export class SolendActionCore {
       {
         environment: config.environment,
         hostAta: config.hostAta,
+        hostPublicKey: config.hostPublicKey,
         lookupTableAccount: lookupTableAccount ?? undefined,
         tipAmount: config.tipAmount,
         repayInfo: config.repayReserve
@@ -972,6 +978,16 @@ export class SolendActionCore {
 
   addBorrowIx() {
     if (this.debug) console.log("adding borrow ix to lending txn");
+    if (this.hostAta && this.hostPublicKey) {
+      this.preTxnIxs.push(
+        createAssociatedTokenAccountIdempotentInstruction(
+          this.publicKey,
+          this.hostAta,
+          this.hostPublicKey,
+          new PublicKey(this.reserve.mintAddress)
+        )
+      );
+    }
     this.lendingIxs.push(
       borrowObligationLiquidityInstruction(
         this.amount,