Mrs. Clinton’s campaign confirmed that she had lent her campaign $5 million at the end of January for advertising and organizing expenses in Tuesday’s 22 races, an acknowledgment that her fund-raising had fallen far behind her rival’s. Aides said she would consider lending her campaign more money if necessary to remain viable.

Mr. Obama raised $32 million in January, while Mrs. Clinton’s campaign brought in only about $13 million, officials said.

At her campaign headquarters in northern Virginia this afternoon, Mrs. Clinton characterized the loan this way: “My opponent was able to raise more money, and we intended to be competitive, and we were, and I think the results last night proved the wisdom of my investment.”

Mrs. Clinton made millions of dollars on her memoir, “Living History,” while her husband, former President Bill Clinton, has made tens of millions of dollars since leaving the White House by selling his memoir, giving paid speeches and entering a lucrative partnership with Ron Burkle, a Los Angeles billionaire.

The Clinton campaign sent out an urgent e-mail appeal on Wednesday, seeking to raise $3 million in the next three days.

Mrs. Clinton also challenged Mr. Obama to a series of debates over the next month, usually a tactic of a trailing candidate. Mr. Obama said he would consider it but insisted that the Clinton campaign and the media would not set his schedule.

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