Crossword Genius

Last attempt to borrow that really capped everything (3,9,5)

Ross

I believe the answer is:

the finishing touch

I'm a little stuck... Click here to teach me more about this clue!

'borrow that really capped everything' is the definition.
I don't know anything about this answer so I can't judge whether this works.

'last attempt to' is the wordplay.
I cannot really understand how this works, but
'last' could be 'finish' (synonyms) and 'finish' is present in the answer.
'to' is within the answer.
This explanation may well be incorrect...

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