All Dayton Metro Library locations will be closed on Friday September 26, 2014 for Staff Development Day. Normal hours will resume on Saturday September 27, 2014.

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Business Opportunity: Air Force Contracting Summit

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One of the nation's largest defense contracting events will be held at the Dayton Convention Center on March 25 and 26.

At the Air Force Contracting Summit, contractors and potential contractors can meet acquisition decision-makers and get the latest information on:

More than $630 billion for fiscal year 2014 Defense appropriations just passed by Congress, including $22 billion added to offset the effects of sequestration;

More than $100 billion for fiscal year 2014 procurement of equipment and weapons; and Additional Air Force procurement opportunities, including more than $16 billion for military construction, facilities, military family housing, vehicles, equipment, infrastructure modernization, energy systems and more.

The Air Force Contracting Summit is presented by the U.S. Air Force Materiel Command (AFMC), headquartered at Wright-Patterson Air Force Base. For more information and registration, visit the summit online.

Can you patent your song lyrics? What’s a copyright anyway?

bizbulbFind the answers at the Intellectual Property Informational Workshop taking place
Saturday January 25, Paul Laurence Dunbar Library, Rm 241
1:00p.m. to 3:00p.m.

Learn How you can you protect your logo, creations, invention and ideas in the marketplace. The Wright State University Libraries is again helping beginning inventors, small businesses, creators, and entrepreneurs learn the basics of protecting their ideas through various intellectual property (IP) options. This free on campus informational workshop will be held Saturday, January 25, from 1:00 p.m. - 3:00 p.m. in Room 241 of the Paul Laurence Dunbar Library.

The presentation will cover copyrights, patents, trade secrets and trademarks. You will learn what resources and researching tools are available on the internet, IP web sites, and the general requirements for applying for patent, copyright, or trademark protection.

Wright State University Libraries is a U.S. Patent and Trademark Resource Center receiving support and training from the United States Patent and Trademark Office (USPTO).

Seating for the free workshop is limited. Register online or contact Ran Raider, government and legal information coordinator for the University Libraries, at ran.raider@wright.edu or by calling (937) 775-3521.

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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