borrower vs recipient

borrower and recipient both are nouns.

Word	Noun	Adjective	Verb	Adverb
borrower	Yes	No	No	No
recipient	Yes	No	No	No

As nouns, recipient is a hypernym of borrower; that is, recipient is a word with a broader meaning than borrower:

borrower: someone who receives something on the promise to return it or its equivalent
recipient: a person who receives something

Other hypernyms of borrower include receiver.

borrower (noun)	recipient (noun)
someone who receives something on the promise to return it or its equivalent	the semantic role of the animate entity that is passively involved in the happening denoted by the verb in the clause
	a person who receives something