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Credit Market Update – January 2026

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U.S. Economy: Soft‑Landing Dynamics into 2026

  • Robust Growth: GDP accelerated 4.3% in Q3 2025, supported by strong consumer spending, improved net exports, and stable labor conditions.
  • Sustainable Productivity Trends: Labor productivity has grown at a 2.0% annual pace (2019–2025), driven by capital investment, automation, and digital adoption.
  • Labor Market Normalization: November 2025 JOLTS data show 6.54 million job openings, 1.8 million layoffs, and 3.2 million quits — indicative of gradual cooling; consistent with a soft landing.
  • Healthy Corporate Fundamentals: S&P 500 gross margins remain strong at 61.5%, while business loan delinquencies are at 1.3%.

Bottom Line

Economic momentum remains robust, productivity and corporate strength are reinforcing growth, and financial stability provides a supportive foundation for 2026.

👉 Read our latest U.S. Credit Report for full insights and updates.

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  • Categories: Credit Market Outlook
  • Tags: Capital Raising, Credit Market, Market Outlook, Private Credit
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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.

Appointment With Mitch
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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.
Appointment With Richard
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