If localhost is also borg backup host, then access repository directly (not over ssh).

borg2-backup-nc.sh

@@ -343,7 +343,11 @@ done
 #
 BORG_BACKUP_DIRS="${BORG_BACKUP_DIRS#"${BORG_BACKUP_DIRS%%[![:space:]]*}"}"
 
-BORG_URL="ssh://${SSH_USER}@${BORG_HOST}:${SSH_PORT}${BORG_REPO}"
+if [[ "${BORG_HOST,,}" == "localhost" ]] ; then
+   BORG_URL="file://${BORG_REPO}"
+else
+   BORG_URL="ssh://${SSH_USER}@${BORG_HOST}:${SSH_PORT}${BORG_REPO}"
+fi
 
 #BORG_REPO="${BORG_URL}"