2025 Credit Market Outlook

Detroit Skyline From The Detroit River

📈2025 Credit Market Outlook: A Borrower’s Market

With optimism fueled by resilient employment, low business default rates, and stable inflation expectations, borrowers are poised to benefit from:
Improved credit availability
Borrower-friendly terms
Expanded financing options across traditional banks, private credit, and public debt markets.

 

Private credit continues to transform the lending ecosystem, offering flexibility and speed, while banks, armed with strong capital reserves, are expected to ramp up lending activity to maintain market share.

 

📌 Now is the time for borrowers to seize the moment—flex your negotiating power, lower funding costs, and secure financing on your terms.

💡 A trusted Debt Capital Markets (DCM) advisor can provide the strategic expertise needed to navigate this dynamic environment and secure the optimal solution for your business.

 

 

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Meet Mitch Vermet,

CFA, CAIA
Managing Director
Our other Managing Director, Mitch Vermet, CFA, CAIA, has a decade of experience in institutional asset management and investment banking. He has served as an integral asset within close-knit investment teams responsible for building portfolios and allocating tactical assets for over $30 billion in institutional capital.
Since earning a BA in Economics from the University of Michigan and an MA in Management from the Ross School of Business at the University of Michigan, Mr. Vermet has demonstrated mastery in helping clients manage and structure their balance sheets with strategic asset liability management solutions. He has built a reputation for helping clients strategically manage risk while capitalizing on opportunities across unique macroeconomic scenarios, lending valuable expertise and foresight to clients.  

Mr. Vermet is a member of the CFA Institute and CAIA Association. He is also a Registered Representative of BA Securities, LLC, and a member of FINRA and SIPC.

Meet Richard Consul,

CFA
Managing Director
Richard Consul, CFA, brings unmatched expertise and experience as one of our Managing Directors. Mr. Consul has over 20 years of domestic and international secondary market expertise as a Senior Portfolio Manager and Fixed Income, Currency, and Commodities Strategist.
Since earning a BBA in Finance and an MSE in Financial Engineering from the University of Michigan, Mr. Consul has served as a dedicated business partner to many corporate, banking, and insurance clients. He has built a reputation for helping clients solve and overcome various complex liquidity, risk management, ALM, and secondary market challenges. 
Mr. Consul has lent his expertise to countless financial publications and platforms, including Asset TV, a renowned video research platform for investment professionals. He is a member of the CFA Institute and has received certifications in Securities Industry Essentials (SIE), Series 82, and Series 63 through FINRA.