| $150,000–350,000 | SANTA CRUZ BIBLE CHURCH | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SANTA CRUZ COFFEE ROASTING | WATSONVILLE, CA | Santa Cruz County Bank |
| $2–5 million | SANTA CRUZ COMMUNITY HEALTH CENTERS | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SANTA CRUZ DENTAL GROUP | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SANTA CRUZ DINER, INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SANTA CRUZ GARDEN LIQUOR AND DELI INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | SANTA CRUZ GREEN BUILDERS | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SANTA CRUZ GUITAR CORPORATION | SANTA CRUZ, CA | Santa Cruz County Bank |
| $2–5 million | SANTA CRUZ MEDICAL GROUP | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SANTA CRUZ SPCA AND HUMANE SOCIETY | SANTA CRUZ, CA | Santa Cruz County Bank |
| $1–2 million | SANTA CRUZ STAFFING LLC | APTOS, CA | Santa Cruz County Bank |
| $350,000–1 million | SANTA CRUZ SURGERY CENTER | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | SANTA CRUZ WESTSIDE ELECTRIC, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SANTEE, INC. | SCOTTS VALLEY, CA | Santa Cruz County Bank |
| $150,000–350,000 | SC WESTSIDE ANIMAL HOSPITAL, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | SCARBOROUGH HOME CENTER, INC. | BEN LOMOND, CA | Santa Cruz County Bank |
| $350,000–1 million | SCARBOROUGH LUMBER AND BUILDING SUPPLY, INC. | SCOTTS VALLEY, CA | Santa Cruz County Bank |
| $150,000–350,000 | SCHMITZ WOODWORKS, INC. | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | SCOTT'S BODY SHOP | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SCOTTS VALLEY HOTEL, LO | SAN JOSE, CA | Santa Cruz County Bank |
| $150,000–350,000 | SCOTTS VALLEY MAGNETICS | SCOTTS VALLEY, CA | Santa Cruz County Bank |
| $350,000–1 million | SEA BREEZE FARMS, LLC | WATSONVILLE, CA | Santa Cruz County Bank |
| $1–2 million | SEA EAGLE, LP | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | SEA VIEW ASSISTED LIVING COMMUNITY LLC | LAKE OSWEGO, OR | Santa Cruz County Bank |
| $1–2 million | SEASCAPE RESORT LTD. | APTOS, CA | Santa Cruz County Bank |
| $150,000–350,000 | SEASONS MANAGEMENT LLC | LAKE OSWEGO, OR | Santa Cruz County Bank |
| $350,000–1 million | SECOND HARVEST FOOD BANK SANTA CRUZ COUNTY | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | SG RDM, INC. | APTOS, CA | Santa Cruz County Bank |
| $150,000–350,000 | SHAKESPEARE PLAY ON | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | SHOPPER'S CORNER INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SIADAT ENTERPRISES, INC. | LOS GATOS, CA | Santa Cruz County Bank |
| $150,000–350,000 | SIERRA MANAGEMENT GROUP, LLC | CARLSBAD, CA | Santa Cruz County Bank |
| $350,000–1 million | SILICON VALLEY MICROELECTRONICS, INC. | SANTA CLARA, CA | Santa Cruz County Bank |
| $350,000–1 million | SLATTER CONSTRUCTION | SANTA CRUZ, CA | Santa Cruz County Bank |
| $1–2 million | SMITH & VANDIVER CORPORATION | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | SOCIETY FOR THE ADVANCEMENT OF CHICANOS AND NATIVE AMERICANS IN SCIENCE | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SOCKSHOP & SHOE COMPANY, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | SOCKSMITH DESIGN, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SOLORZANO CORPORATION | LIVERMORE, CA | Santa Cruz County Bank |
| $150,000–350,000 | SPECIALIZED AUTO & FLEET SERVICES INC. | FREEDOM, CA | Santa Cruz County Bank |
| $150,000–350,000 | SPECIALIZED AUTO INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SPECIALTY TRUCK PARTS INC | GILROY, CA | Santa Cruz County Bank |
| $150,000–350,000 | SSL LLC | SCOTTS VALLEY, CA | Santa Cruz County Bank |
| $350,000–1 million | ST. FRANCIS HIGH SCHOOL SALESIAN COLLEGE PREPARATORY, INC. | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | STARTGRID, INC. | BURLINGAME, CA | Santa Cruz County Bank |
| $150,000–350,000 | STERLING PACIFIC LENDING, INC | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | STEVE'S UNION SERVICE | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | STREELIGHT RECORDS LTD | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SUMEET SINGH, D.D.S., A DENTAL CORPORATION | SEASIDE, CA | Santa Cruz County Bank |
| $150,000–350,000 | SUN BRIGHT GROWERS | WATSONVILLE, CA | Santa Cruz County Bank |
| $350,000–1 million | SUN SHOPS | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SUN VALLEY BERRIES, LLC | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | SUN-LAND GARDEN PRODUCTS INC. | WATSONVILLE, CA | Santa Cruz County Bank |
| $350,000–1 million | SUNSET HOSPITALITY GROUP, INC. | CAPITOLA, CA | Santa Cruz County Bank |
| $150,000–350,000 | SUPER BANTAM, LLC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SUPERIOR FOODS, INC. | WATSONVILLE, CA | Santa Cruz County Bank |
| $350,000–1 million | SUPERIOR FOODS, INTERNATIONAL, LLC | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | SURF CITY WINE CO, A CALIFORNIA CORPORATION | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SURGICAL ASSOCIATES OF MONTEREY BAY | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | SUSHI GARDEN INC | CAPITOLA, CA | Santa Cruz County Bank |
| $150,000–350,000 | SVVC, INC. | SCOTTS VALLEY, CA | Santa Cruz County Bank |
| $350,000–1 million | T. L. SPRAGUE & COMPANY, A CALIFORNIA CORPORATION | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | TEJ LLC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | TESTORFF CONSTRUCTION INC | APTOS, CA | Santa Cruz County Bank |
| $150,000–350,000 | THAILA RAMANUJAM MD | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE BAGELRY, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE BUILDERS COLLECTIVE | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE FOOT DOCTORS OF SANTA CRUZ COUNTY INC | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE GLASS JAR, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE GLASSHOUSE SJ, LLC | SAN JOSE, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE HAUTE ENCHILADA, INC. | MOSS LANDING, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE MUSEUM OF ART & HISTORY | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | THE PROVINCE, LLC | SAN JOSE, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE RED WHEEL BARREL INC | APTOS, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE SALAD FARM | SALINAS, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE SKYLIGHT PLACE, INC. | CAPITOLA, CA | Santa Cruz County Bank |
| $150,000–350,000 | THE VAJRAYANA FOUNDATION | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | THIRD EYE PINECONES, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | TIERRA RESOURCES CONSULTANTS, LLC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | TIMBERWORKS BUILDING CONTRACTORS | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | TINO'S PLUMBING, INC | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | TOM RALSTON CONCRETE INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $1–2 million | TOMATERO ORGANIC FARMS INC | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | TOP TO BOTTOM HOUSE CLEANING | MONTEREY, CA | Santa Cruz County Bank |
| $350,000–1 million | TORRENT LABORATORY,INC. | MILPITAS, CA | Santa Cruz County Bank |
| $350,000–1 million | TOTLCOM, INC | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | TOUCHED BY ANGELS HOME CAREGIVING INC | APTOS, CA | Santa Cruz County Bank |
| $350,000–1 million | TOWN AND COUNTRY GARDENING & LANDSCAPE INC | CARMEL, CA | Santa Cruz County Bank |
| $150,000–350,000 | TRAIL DUST BBQ, LLC | GILROY, CA | Santa Cruz County Bank |
| $150,000–350,000 | TRENDFOCUS, INC. | CUPERTINO, CA | Santa Cruz County Bank |
| $350,000–1 million | TRI COUNTY TRANSPORT INC | GILROY, CA | Santa Cruz County Bank |
| $150,000–350,000 | TRIAD ELECTRIC INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | TRICK OR TREAT STUDIOS, INC. | SOQUEL, CA | Santa Cruz County Bank |
| $350,000–1 million | TRINITY SOURCE GROUP, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | TRINITY TECHNOLOGIES INCORPORATED | SANTA CLARA, CA | Santa Cruz County Bank |
| $150,000–350,000 | TROTTER MASONRY, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | TRUFOCUS CORPORATION | WATSONVILLE, CA | Santa Cruz County Bank |
| $1–2 million | TUCCI LEARNING SOLUTIONS, INC | MARINA, CA | Santa Cruz County Bank |
| $1–2 million | UBERMEDIA | PASADENA, CA | Santa Cruz County Bank |
| $150,000–350,000 | UNITED WAY OF SANTA CRUZ COUNTY | CAPITOLA, CA | Santa Cruz County Bank |