The bank needs liquidity to settle inter-bank transfers after they've lent, some of that is deposits but they can also just borrow reserves from other banks if

The bank needs liquidity to settle inter-bank transfers after they've lent, some of that is deposits but they can also just borrow reserves from other banks if they need to do that. The lending itself created new bank credit, it was never "funded". If the bank has capital adequacy, they make the loan.