Credit Market Update – November 2025

U.S. growth remained modest in late 2025 following a solid 3.8% Q2 rebound, as inflation eased to 3.0% and the Fed funds rate moved to 3.5%. While labor market tightness is abating with job openings at 7.2 million, corporate health remains resilient with historically low business loan delinquencies of 1.3%. High-yield spreads have tightened to 2.9%, and robust bank capital buffers of 14.1% continue to provide ample liquidity for steady expansion. The outlook into 2026 remains constructive, supported by a healthy M&A environment and a measured pivot toward lower rates.

Credit Market Update – October 2025

U.S. growth stayed firm in Q3 2025 with GDP up 3.8%, inflation easing to 3.0%, and the Fed cutting rates to 4.1%. Jobs and credit remain strong, while liquidity and capital buffers support steady expansion. Outlook into year-end stays constructive with balanced growth and measured risk-taking.

Unlocking Growth at Main Street Summit 2025

Bankers Edge Advisory is attending the Main Street Summit in Columbia, Missouri from November 4–6, 2025. Join Managing Partner Mitch Vermet, CFA, CAIA, and other industry leaders as they explore networking, capital formation strategies, and market insights tailored for middle-market businesses. Connect with us at the event to discover new opportunities for growth and partnership.

Inflation, Rate Cuts, and Capital Opportunities

With inflation still above the Fed’s target, recent rate cuts have created a brief window for companies to raise capital on favorable terms. As market conditions remain dynamic, Bankers Edge Advisory advises businesses to act quickly and seize this “golden-lock” opportunity before financial policy tightens again.

Insights from Bankers Edge Advisory on Rock Harbor Podcast

Traditional banks are tightening lending standards, making capital harder to access for many mid-market companies. On the Rock Harbor LLC podcast, Bankers Edge Advisory’s Richard Consul and Mitch Vermet discuss how private capital markets offer tailored, flexible financing solutions—helping acquirers, sponsors, and operators navigate an evolving financial landscape.

Inspiring the Next Generation of Finance Leaders: Insights from the WSTA Event

Bankers Edge Advisory is proud to support the next generation of finance professionals through our engagement with the recent WSTA event. Our team was inspired by the enthusiasm of student attendees, and Richard Consul, CFA, was honored to share his market insights and career advice. We remain committed to fostering education, industry connections, and leadership development across the financial community. Stay connected for news on future events and opportunities.

US Credit Market Update – August 2025

The U.S. economy is strong, with solid GDP growth, low unemployment, and healthy credit markets. Abundant liquidity and robust M&A activity support continued expansion and favorable conditions for measured risk-taking.

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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.