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Welcome to Your Dayton Metro Library

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.

It's National Take a Chance Day, so why not go on a blind date with one of these great books? Click on the story that looks the most interesting for a link to the book in our catalog!

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Works
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Adult

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Events (view all)


Today at Huber Heights (2:00 PM)
Google Drive, formerly Google Docs, is a file storage and synchronization servic…


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 Westwood (4:00 PM)
Celebrate the season with a mix of poetry, flowers and a special spring craft.&n…


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


Today at Kettering (5:00 PM)
Need a little help with your homework· There is homework help available t…


Today at Madden Hills (5:30 PM)
This class will show you how to write an effective resume and cover letter to p…


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


Today at Main Library (6:00 PM)
Upload & DownloadSharing pictures, submitting resume or turning in homework …


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


Today at Miami Twp. (6:30 PM)
This workshop is designed to provide consumers with steps they can take to prote…


Today at Miamisburg (6:30 PM)
Read,  Eat,  And  Discuss a great book with the book discussion g…


Today at Northmont (6:30 PM)
Designed to allow more time for practice, Tech Time is your opportunity to get a…


Today at Electra Doren (6:30 PM)
Need more practice after your class or need additional help· Lab sessions…


Today at Main Library (6:30 PM)
Would you like to practice your English conversational skills in a friendly, cas…


Tomorrow at Huber Heights (10:00 AM)
Join us for nursery rhymes, songs, fingerplays, and stories, all to encourage ea…


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


Tomorrow at East (10:00 AM)
Join us for quality family time with books, songs and activities for parents and…


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


Tomorrow at Trotwood (10:30 AM)
Parents and caregivers, bring your little ones to the library for stories, songs…


Tomorrow at Northwest (10:30 AM)
Join us for stories, songs and other fun learning activities designed to develop…


Tomorrow at New Lebanon (10:30 AM)
Stories, books, music, and crafts for children ages 2-6 years old. No registrati…


Tomorrow at W. Carrollton (10:30 AM)
Parents and caregivers, bring your little ones to the library for stories, songs…


Tomorrow at Huber Heights (10:30 AM)
Our meeting room is converted to an indoor playground for children under 3 years…


Tomorrow at Main Library (11:00 AM)
Children ages 0-3 and caregivers can enjoy unstructured playtime with a variety …


Tomorrow at Miamisburg (12:30 PM)
Join us for stories, songs and other fun learning activities designed to develop…

           

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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