Money lending is the provision of funds by an individual or organization to another individual or organization with the agreement that the funds will be repaid with interest agreed upon. Synonyms for money lending include "loaning," "credit," "financing," "borrowing," and "debt." Loaning refers to the act of providing someone with a specific amount of money that is expected to be returned at a future date. Credit refers to the purchasing ability given by a lender to a borrower. Financing refers to the process of providing funds for a project or enterprise. Borrowing refers to taking out a loan. Debt refers to the amount of money that is owed to a lender.