Despite its gold reserves of 106.3 million pounds, Russia's pre-war financial situation was not enviable. The country had large budget deficits year after year, and was largely dependent on borrowed money. Russia's war effort was funded primarily by France, in a series of loans totalling 800 million francs ; another loan in the amount of 600 million francs was agreed upon, but later cancelled. These loans were extended within a climate of mass bribing of the French press . Although initially reluctant to participate in the war, the French government and major banks were co-operative since it became clear that Russian and French economic interests were tied. In addition to French money, Russia secured a loan in the amount of 500 million marks  from Germany, who also financed Japan's war effort. Conversely, Japan's pre-war gold reserves were a modest 11.7 million pounds; a major portion of the total cost of the war was covered by money borrowed from the United Kingdom, Canada, and the United States. During his canvassing expedition in London, the Japanese vice-governor of the Bank of Japan met Jacob Schiff, an American banker and head of Kuhn, Loeb & Co. Schiff, in response to Russia's anti-Jewish pogroms and sympathetic to Japan's cause, extended a critical series of loans to the Empire of Japan, in the amount of 200 million US dollars . Japan's total war expenditure was 2,150 million yen, of which 38%, or 820 million yen, was raised overseas.
Question: How many countries lent Japan money covering a major portion of the total cost of the war?
Answer: 3