A lender is an entity that provides monetary resource, or credit, to an entity stating need for that resource which is known as a debit.
All you need to be a lender is to have the resource. It’s not magic, and it can be given any name. Any name whatsoever. So don’t let yourself get hung up on the name. You could even name it the “I Thought the Fed Ran on Magic But Then Trump Killed It” bank.
Meanwhile, if you do think there’s something magic about the Fed, you might want to reconsider.
In other words, you have no idea what a Lender of Last Resort is for retail banks or why one is necessary.
Thanks for playing.
Go find some subject you know something about- although a complete lack of knowledge hasn’t dissuaded you so far.