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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.

Book face with "The War Lovers" by Evan Thomas.
#bookfacefriday #miamisburgbranch #thewarlovers
Now on order! Place your reserves at daytonmetrolibrary.org/collection and get your ebooks at dayton.overdrive.com

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Works
Government Documents - Storeing them since 1909

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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 Vandalia (12:30 PM)
Watch an exciting holiday hand puppet show and then enjoy making a beautiful cra…


Today at Huber Heights (2:00 PM)
Watch a 3D printer in action, learn the basics, and learn how to design & pr…


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 Main (3:00 PM)
Fight your boredom and stop by Teen Edge for a do-it-yourself drop-in activity. …


Today at Northmont (3:00 PM)
Bring your own ereader to learn how to use the library's OverDrive program for e…


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


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


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


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


Today at Burkhardt (5:30 PM)
Eat popcorn and enjoy this month's movie, Hocus Pocus!…


Today at Madden Hills (5:30 PM)
Come watch blockbuster movies for free!…


Today at Main (6:00 PM)
Get a quick introduction to six valuable databases that are available free throu…


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


Today at Electra Doren (6:00 PM)
Every other Monday, 6:00 - 8:00 p. m.  Call us for the movie titles, and w…


Today at Kettering (6:00 PM)
Need a little help with your homework· There is homework help available t…


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


Today at New Lebanon (6:30 PM)
You've seen them in the sky, or perhaps on a fence post in the country.  No…


Today at Main (6:30 PM)
Explore the haunted Buckeye State with paranormal author, Sherri Brake. See phot…


Today at Wilmington (6:30 PM)
The Miami Valley has its hauntings just like anywhere else. On that odd occasi…


Today at Vandalia (6:30 PM)
Learn more about the different printing processes, types of printers, and see ex…


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


Today at Brookville (7:00 PM)
Bring your little ghouls and goblins to the library for some Halloween fun! We'l…


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


Tomorrow at Main (10:00 AM)
Just as important as the mouse, the keyboard is a vital part of most computers. …


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


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

           

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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