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otherwise, man up and play management.
Finding all Kappas should help you with 2M towards your goal.
https://www.youtube.com/watch?v=IKXm5W93paE
Aside from that I really recommend that you max out your management minigame, since it's 3M every 5minutes basically.
And on a long run you will need the money anyways since the weapon and workshop upgrades will cost dozens of millions.
A personal tip: what I did for the management game to go faster was I used cheat engine to run the speed hack to the highest it can go, then I binded it to a key. Then I’d activate the speed hack when Ichiban is collecting the cash, then I’d turn it off on the results screen. It really helps make the process go by much quicker.
You need at least 10.000 chips to do so, you can either buy them or play blackjack. But if you have the money, then just buy them, it's worth it at the end.
The key is abusing the save / load anywhere.
Just keep raising your bet, don't ever "check", the AI is not that smart, they will keep raising the bet along with you, which is great. if you have at least one pair of cards, that's a 50% chance to win. If you lose, just exit, then load.
Whenever you win, exit, and save. And start again.
Each winning round will earn you 20,000-50,000 chips easy. Exchange them with platinum plate for 2000 chips, and sell each for 200,000 yen. You can make 10 million in one hour, or less this way.
You can do this with blackjack but the payout is less and you have to keep playing to win higher chips.