Prospective buyers of the 600 branches that Lloyds Banking Group has for sale in the UK can now count on £20 billion in funding from Citi, JP Morgan and Lloyds.Lloyds announced the "potential funding arrangements" in vague terms in an announcement last night.The Financial Times spelled out the mooted terms in better detail. Citi and JP Morgan are set to provide a £15 billion, while Lloyds will provide at least £5 billion.Any buyer of the branches and their attached customer lists will be buying a loan book that exceeds the deposit book by £40 billion, based on the present state of the book.This gap, however, is expected to shrink to £20 billion by the time the sale is completed in two years, the FT reported.National Australia Bank is one likely bidder for the Lloyds branches.