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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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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 Kettering (10:00 AM)
Designed for individuals living with early stage dementia, Memory Cafe is o…


Today at Northmont (10:30 AM)
Children ages 0-3 and caregivers can enjoy unstructured playtime with a variety …


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 Kettering (3:30 PM)
Premier Health is offering a FREE three-week program designed to help you quit s…


Tomorrow at Miamisburg (10:00 AM)
Among the 68 American citizens who spied for Nazi Germany was an unusual father-…


Tomorrow at Main Library (11:00 AM)
Celebrate teen reading and writing with author talks, writing workshops, meet an…


Tomorrow at Main Library (11:00 AM)
Entertainment includes music, puppets, stories and a variety of hands-on activit…


Tomorrow at New Lebanon (11:00 AM)
When someone is diagnosed with Alzheimer's, friends and family have many questio…


Tomorrow at Huber Heights (11:00 AM)
Does your child (preschool through grade 3) need some extra guidance in reading&…


Tomorrow at Huber Heights (12:00 PM)
Would you like to practice your English conversational skills in a friendly, cas…


Tomorrow at Main Library (1:00 PM)
  Would you like to practice your English conversational skills in a frie…


Tomorrow at Westwood (2:00 PM)
Teens will have have a movie night with pizza. …


Tomorrow at Northwest (2:00 PM)
Join us to make a creative craft, have a snack and then play board games.…


Tomorrow at Huber Heights (2:30 PM)
Need a little help with your homework· There is homework help available t…


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


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


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


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


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


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


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


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


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


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


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


Monday at Main Library (7:00 PM)
You've seen them in the sky, or perhaps on a fence post in the country.  No…


Monday at Brookville (7:00 PM)
We'll use Scratch Jr to learn some basic programming logic. Let's get creative! …


Tuesday at Brookville (10:00 AM)
Join us for stories, songs and other fun learning activities designed to develop…


Tuesday at Main Library (10:00 AM)
An award-winning early literacy program that uses rhymes, songs, puppets, musica…

           

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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