Just BMF
Borrowed chords are taken from parallel keys. Parallel keys have the same tonic note.
The most common approach is to borrow chords from the parallel natural minor key and use them in major keys.
For example, you could take a chord from the C minor key and use it in a C major key chord progression.
A popular example of this is the minor iv chord. So all you need to do is BMF. Borrow the Minor Four.
This can also be borrowed from parallel Phrygian and Locrian modes.
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The minor plagal cadence
A cadence is a chord progression of at least 2 chords that ends a phrase or section of a piece of music. It ends with the resolution of tension, providing a feeling of completion.
The classic way to do this in major keys is to play the I chord after the V chord.
You might see this being called the perfect or authentic cadence, often with the V chord played as a dominant 7th chord.
If you replace the V chord with the IV chord then this becomes a plagal or amen cadence. This has a softer or more gentle sound.
If you use the borrowed minor four chord in a cadence then it is called a minor plagal cadence.
This has a stronger more emotional feel to it. You can see the movement of the notes in this cadence below. The two notes resolving by half a step or semitone create the strength in this cadence.
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The MMT Cadence
The most common way to use the minor iv chord in major key chord progressions is in the MMT cadence.
This stands for Major, Minor, Tonic. You play the standard major IV chord, followed by the minor iv chord and then the tonic I chord.
This is found in a lot of popular songs because of it's strong emotional sound and simplicity to play.
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The Hollywood Cadence
If you want to enrich the sound of the MMT cadence then you can play the minor iv chord as a minor 6th. This involves adding a single note to the chord but gives the cadence a distinct, grand edge.
This is known as a “Hollywood cadence,” named after its brief appearance in the 20th Century Fox fanfare.
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If you want to learn more you can click here to watch a YouTube video exploring these ideas.