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Enjoy a vast collection of materials, services and programs for all ages and stages of life. Explore our online resources including digital collections, databases, searchable events calendar and reference assistance. Learn, imagine and discover at the Dayton Metro Library – your story begins here.

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Works
Muse Machine at the Library

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Adult

Adult Adult Adult Teen Teen Children

           

Movies + Music (view all)

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Audio

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Events (view all)


Today at Wilmington (9:03 AM)
Designed for homeschooled teens age 13-18 who are interested in developing their…


Today at Belmont (9:30 AM)
Schedule an informal session to address your personal technology needs. Sessions…


Today at Main (10:00 AM)
Internet Applied Let's learn how to navigate the World Wide Web. Internet A…


Today at Main (10:00 AM)
MVCTC Aspire Program at the Dayton Metro LibraryBegin your preparation for the H…


Today at Kettering (10:00 AM)
Working with donated materials, we create quilts, wheelchair and walker bags, pe…


Today at Wilmington (11:30 AM)
Foster an early love of art with storytime at Rosewood Gallery!  A libraria…


Today at Vandalia (12:30 PM)
                Join us for stories, son…


Today at Wilmington (12:30 PM)
Learn about Astronomy with other 4th through 8th grade students.  We'll mee…


Today at Trotwood (1:00 PM)
Struggling to  get acclimated with your Android phone· Whether you'r…


Today at Main (2:00 PM)
Project DAWN (Deaths Avoided With Naloxone) will offer a free one hour NARCAN tr…


Today at Huber Heights (2:00 PM)
Don't know your Facebook from your date book· Does Twitter have you all-a…


Today at Main (2:00 PM)
This session introduces you to the basics of the modern version of Microsoft Off…


Today at Madden Hills (2:00 PM)
Got homework· Friendly Homework Helpers can guide you in the right direct…


Today at Northwest (2:00 PM)
Got homework· Friendly Homework Helpers can guide you in the right direct…


Today at Northwest (3:00 PM)
Come during this special time set aside for ages 9-12, and play the Wii U with y…


Today at Trotwood (3:00 PM)
Need a little help with your homework· There is homework help available t…


Today at Burkhardt (3:30 PM)
Need a little help with your homework· There is homework help available t…


Today at Electra Doren (3:30 PM)
Does your child (preschool through grade 3) need some extra guidance in reading&…


Today at Trotwood (4:00 PM)
Publish your own story or create a one-of-a-kind journal with our thermal book-b…


Today at Westwood (4:00 PM)
Fun facts, games and snacks-it's all about the popped corn.…


Today at Burkhardt (4:00 PM)
Attention, building enthusiasts: Bring the whole family to the Library for an ep…


Today at New Lebanon (4:00 PM)
Does your child (preschool through grade 3) need some extra guidance in reading&…


Today at Miamisburg (4:30 PM)
Talk about books you choose and enjoy snacks, with a game, craft, or activity ea…


Today at Northmont (4:30 PM)
Does your child (preschool through grade 3) need some extra guidance in reading&…


Today at Northwest (5:00 PM)


Today at Madden Hills (5:30 PM)
This class will cover the fundamentals of the computer and operating system.&nb…


Today at Main (5:30 PM)
An award-winning early literacy program that uses rhymes, songs, puppets, musica…


Today at New Lebanon (6:00 PM)
Designed to allow more time for practice, Tech Time is your opportunity to get a…


Today at Northwest (6:00 PM)
Come enjoy an activity that is some part art, and some part making.  Exampl…


Today at Huber Heights (6:00 PM)
The NAMI Family-to-Family Education Program is a 12-week course for families of …

           

What about those ads for lenders who say they are better than banks?

Loan Application ImageYou may have seen or heard advertisements from firms suggesting you try their company if you are “fed up” with trying to borrow money for your small business from banks.  Watching a football game recently I saw an ad that threw around numbers like “loans from $50,000 to $10 Million” and phrases like “our simplified application procedures” etc. In the library I’ve been asked more than once whether these companies are legitimate.  I can’t answer a simple yes or no for all companies but broadly the answer is that many of them are very legit. These businesses comprise an industry that has come to be known as alternative lending and they are playing an increasingly large roll in the business funding arena.  The trick is in knowing how they work and knowing whether they area appropriate for you.

As a rule, none of these firms is going to loan you money to start a business.  Alternative lenders are interested in lending to existing small businesses that can demonstrate positive cash flow.  A loan Broker--Ami Kassar--who writes for the New York Times Small Business Blog said

These lenders are extremely entrepreneurial and are leaving the banks behind with their speed and use of technology. Many are backed by premier investment banks and Silicon Valley venture capital powerhouses — investors who understand that entrepreneurs and small-business owners are throwing up their hands in frustration over how long it can take to get a loan from a bank, especially if the loan is backed by the S.B.A. More and more businesses are willing to pay the price of the alternative lenders just to be able to get their capital and move on.

That price can be pretty high though, and in some cases an alternative lender might want access to your bank accounts to take their loan payments out automatically on a regular—perhaps even daily—basis.  Here are some links if you’d like to learn more:

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