Bank lending to small businesses has been lackluster these past few years.  "The Federal Home Loan Bank of Boston and some local banks are trying to reverse that trend and increase small business lending throughout the region. This year, the Federal Home Loan Bank of Boston, which acts as a bank for local financial institutions, set aside $15 million over three years to encourage more small loans to businesses. The federal money will subsidize the interest rate on loans that member banks give to small businesses that create jobs, allowing banks to offer lower interest rates.“