Welcome to Element 22!

Interested in starting a Commercial Banking or Member Business Lending (MBL) program at your institution? We can assist with the entire implementation.


Mitigate risks, expand your portfolio and/or grow or start your business with ease and on your timeline.


In-depth and extensive experience with both lending and borrowing needs. 


We have been helping individuals and financial institutions succeed for decades.


Providing you only the customized services you need or select, without overwhelming you with costly options that aren’t beneficial.

About Our Company

Providing decades of experience with Commercial Lending and Strategic Planning to both financial institutions and borrowers. Our goals are to help you tell your story, diversify portfolios, mitigate risks and make the business of Commercial Lending efficient and comfortable.

Whether you’re a financial institution looking to grow a Member Business or Commercial Lending program or an entrepreneur growing or starting your own business we offer exactly the support, services and knowledge you need.



We understand your needs, budget and overall goals. We treat our clients with the utmost respect before, during and after any projects we execute for you.


There are no hidden costs with us. Our services and fees are handled with full disclosure from the start.


Integrity is doing the right thing, even when no one is watching and we embody that statement in our business. We never oversell you on services, hide fees or leave any client’s needs unfulfilled. You will only get our honest and open feedback. 

Get to Know Element 22 Commercial Group

Michigan Credit Union League & Affiliates: Credit Unions, Coffee & Conversations podcast features Kenneth Leonard with Element 22 Commercial Group

Element 22 CEO Kenneth Leonard is featured on the Michigan Credit Union League & Affiliates podcast, Credit Unions, Coffee & Conversations, with MCUL CEO Patty Corkery. Leonard takes a deep dive into how his Kalamazoo-based CUSO provides completely customized commercial lending solutions to Credit Unions with business lending programs. This interview really encompasses a lot of what Element 22 has to offer and touches on current rates and the general state of business lending and more!

This episode is a great listen if you are looking to gain insight into Element 22’s services and hear Kenny’s thoughts on hot commercial lending topics.

Contact us for a free strategic consultation