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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.

Did you know we offer free access to Lynda.com with your library card number and 4-digit PIN? Learn something new: http://lynda.com/portal/sip?org=daytonmetrolibrary.org All Dayton Metro Libraries are closed today in observance of Martin Luther King, Jr. Day. We reopen Tuesday, 1/16 at 9:30am.

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ReImagining Works Featured on ThinkTV

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Events (view all)


Today at Miamisburg (11:00 AM)
Join us for an award-winning early literacy program that uses rhymes, songs, pup…


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


Today at Brookville (12:00 PM)
Bring your lunch and join us for some fun and educational activities. We'll have…


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


Today at Kettering (1:30 PM)
Join us for stories, songs and STEM based learning activities designed to develo…


Today at Main (2:00 PM)
Word: Just the Basics First, of our revised Microsoft Office Series, this s…


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 Belmont (3:00 PM)
Explore exciting, hands-on electronics with Snap Circuits. Choose from a variety…


Today at New Lebanon (3:30 PM)
Explore the world of Anime with those that share your interest!…


Today at Kettering (4:00 PM)
Join us for our trendy board games and snacks.  All supplies will be provid…


Today at Miamisburg (4:00 PM)
Play games, make crafts, explore science activities, or just hang out. Snacks pr…


Today at Huber Heights (4:00 PM)
Fantasy! Adventure! Basic Math! We will experience all of these things (and more…


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


Today at Main (4:30 PM)
Need a little help with your homework· There is homework help available t…


Today at Northwest (5:30 PM)
The Computer Keyboard Just as important as the mouse, the keyboard is a vit…


Today at Main (6:00 PM)
Interested in learning Green Screen Room basics· This open lab will show …


Today at Northwest (6:00 PM)
Play fun games and enjoy some treats. Kids ages 8-12.  …


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


Today at Electra Doren (6:30 PM)
Quality family time with books, songs and activities for parents and children to…


Today at Burkhardt (6:30 PM)
Celebrate Penguin Awareness Day with penguin inspired stories, songs, and crafts…


Today at Vandalia (7:00 PM)
                Join us for quality fami…


Tomorrow at Main (9:00 AM)
Knowing as much as possible about the customers and market your business serves …


Tomorrow at Miami Twp. (9:45 AM)
Nursery rhymes, songs and books! For children ages 18 - 35 months with an adult …


Tomorrow at Northmont (9:45 AM)
Join us for stories, songs and other fun learning activities designed to develop…


Tomorrow at Brookville (10:00 AM)
It's never too early to grow children's love of learning. This is an early liter…


Tomorrow at Huber Heights (10:00 AM)
Join us for an award-winning early literacy program that uses rhymes, songs, pup…


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


Tomorrow at Wilmington (10:00 AM)
Join us for an award-winning early literacy program that uses rhymes, songs, pu…

           

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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