How to say "financing" in Japanese

Choosing the right word
  • 金融きんゆうJLPT N3approx.Common
    nounCovers finance and financing as a broad field of money and credit, such as banking and loans. It names the sector or activity rather than a specific act of raising funds for something.
    金融きんゆう引き締ひきしめ政策せいさくが実施じっしされている。↗
    A fiscal tightening policy is being enacted.
  • 融資ゆうしJLPT N1approx.Common
    noun, suru verb, transitive verbThe act of extending a loan, financing done by a bank or lender. Use this when 'financing' means someone provides money to a borrower as credit.
    銀行ぎんこうはその会社かいしゃに融資ゆうしをした。↗
    The bank accommodated the company with a loan.
  • 出資しゅっしCommon
    noun, suru verb, transitive verb, intransitive verbFinancing in the sense of putting up capital or making an investment in a company or venture. It highlights contributing one's own money as an investment rather than lending.
    私達わたしたちは同社どうしゃに50%出資しゅっししている。↗
    We have a 50% interest in the company.
  • 資金繰りしきんぐりCommon
    nounFinancing and fundraising as the practical, often worrisome business of raising and managing money to keep operations going; also means cash flow management.
    How do you expect to weather the financial storm when the bank refuses to extend a helping hand?
  • 出金しゅっきんCommon
    noun, suru verb, transitive verb, intransitive verbSeldom the word you want for 'financing'; it really means withdrawing money from an account, or a payment or disbursement, so avoid it when you mean raising or providing funds.

Use 金融 for finance/credit as a field, 融資 for lending money, 出資 for contributing capital, 「資金繰り」 for managing cash flow, and avoid 出金, which means withdrawal or payment.

Usage comparisons are AI-assisted and cross-checked by multiple models; for study reference only

Japanese equivalents
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JLPT vocabulary levels are community estimates, not official (no official lists have been published since the 2010 revision).

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