| $2–5 million | LAKESIDE ORGANIC GARDENS, LLC | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | LAND TRUST OF SANTA CRUZ COUNTY | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | LAND TRUST OF SANTA CRUZ COUNTY | Santa Cruz, CA | Santa Cruz County Bank |
| $350,000–1 million | LAS ANIMAS CONCRETE & BUILDING SUPPLY INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | LAST BELIEVER INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | LAST BELIEVER, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | LAURA HOLMQUIST-GOMEZ | Watsonville, CA | Santa Cruz County Bank |
| $350,000–1 million | LEWIS TREE SERVICE INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | LIFESPAN, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | LIGHT & MOTION INDUSTRIES | Marina, CA | Santa Cruz County Bank |
| $350,000–1 million | LIGHT & MOTION INDUSTRIES | Marina, CA | Santa Cruz County Bank |
| $150,000–350,000 | LIGHTHOUSE WINDOWS INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | LIGHTHOUSE WINDOWS, INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | LILLIAN'S ITALIAN KITCHEN INCORPORATED | Santa Cruz, CA | Santa Cruz County Bank |
| $350,000–1 million | LILLIAN'S ITALIAN KITCHEN, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | LOMAK PROPERTY GROUP, INC. | CAPITOLA, CA | Santa Cruz County Bank |
| $150,000–350,000 | LUPULO LLC | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | LUSTER LANDSCAPE MANAGEMENT | CARMEL VALLEY, CA | Santa Cruz County Bank |
| $1–2 million | MANDEL COMMUNICATIONS INC | CAPITOLA, CA | Santa Cruz County Bank |
| $350,000–1 million | MANDEL COMMUNICATIONS INC. | Capitola, CA | Santa Cruz County Bank |
| $350,000–1 million | MANUEL'S MEXICAN RESTAURANT INC. | Aptos, CA | Santa Cruz County Bank |
| $150,000–350,000 | MANUEL'S MEXICAN RESTAURANT INC. | APTOS, CA | Santa Cruz County Bank |
| $1–2 million | MAR VISTA BERRY FARMS | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | MARIANNE'S ICE CREAM, LLC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $1–2 million | MARICH CONFECTIONERY | Hollister, CA | Santa Cruz County Bank |
| $1–2 million | MARICH CONFECTIONERY ASSOCIATES | HOLLISTER, CA | Santa Cruz County Bank |
| $150,000–350,000 | MARINI'S CANDIES INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | MARINIS AT THE BEACH, INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | MARIPA RANCH LLC | Freedom, CA | Santa Cruz County Bank |
| $350,000–1 million | MARK GILBERT ENTERPRISES INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $350,000–1 million | MARK GILBERT ENTERPRISES, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | MARLOW MERCEDES-WERKS, INC. | SEASIDE, CA | Santa Cruz County Bank |
| $350,000–1 million | MARMI GRANITI FABRICATION, INC. | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | MASHEESH TATERS | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | MATHEWS CARLSEN BODY WORKS INC. | PALO ALTO, CA | Santa Cruz County Bank |
| $350,000–1 million | MCSHERRY & HUDSON, LLC | WATSONVILLE, CA | Santa Cruz County Bank |
| $350,000–1 million | MERCURIO BROS INC. | Monterey, CA | Santa Cruz County Bank |
| $350,000–1 million | MERCURIO BROTHERS INC | MONTEREY, CA | Santa Cruz County Bank |
| $150,000–350,000 | MESITI-MILLER ENGINEERING INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | MESITI-MILLER ENGINEERING, INC | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | MIGHTYMITE TERMITE SERVICES INC | Campbell, CA | Santa Cruz County Bank |
| $350,000–1 million | MIGUEL A RAMIREZ | Salinas, CA | Santa Cruz County Bank |
| $150,000–350,000 | MILL-WOOD DESIGNS LLC | Concord, CA | Santa Cruz County Bank |
| $150,000–350,000 | MILLER & ASSOCIATES CONCRETE INC | Pacific Grove, CA | Santa Cruz County Bank |
| $150,000–350,000 | MILLER & ASSOCIATES CONCRETE, INC. | PACIFIC GROVE, CA | Santa Cruz County Bank |
| $350,000–1 million | MISSION SPRINGS CAMPS AND CONFERENCE CENTER | SCOTTS VALLEY, CA | Santa Cruz County Bank |
| $350,000–1 million | MISSION SPRINGS CAMPS AND CONFERENCE CENTER INC. | Scotts Valley, CA | Santa Cruz County Bank |
| $150,000–350,000 | MITCHELL DEVELOPMENT ENTERPRISES INC | San Jose, CA | Santa Cruz County Bank |
| $150,000–350,000 | MITCHELL DEVELOPMENT ENTERPRISES, INC. | Los Gatos, CA | Santa Cruz County Bank |
| $350,000–1 million | MO BURGER INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | MO BURGER INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONARCH INDEPENDENT LIVING SERVICES INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONARCH INDEPENDENT LIVING SERVICES, INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONARCH SERVICES - SERVICIOS MONARCA | WATSONVILLE, CA | Santa Cruz County Bank |
| $1–2 million | MONTE VISTA CHRISTIAN SCHOOL | WATSONVILLE, CA | Santa Cruz County Bank |
| $1–2 million | MONTE VISTA CHRISTIAN SCHOOL | Watsonville, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY BAY GOLF MANAGEMENT GROUP | APTOS, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY BAY GOLF MANAGEMENT GROUP LLC | Aptos, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY BAY TRANSPORT INC. | Watsonville, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY ENERGY GROUP, INC. | CARMEL, CA | Santa Cruz County Bank |
| $350,000–1 million | MONTEREY FISH COMPANY, INC. | SALINAS, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY PENINSULA HOTELS GROUP, LP | Seaside, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY PENINSULA HOTELS GROUP, LP | SEASIDE, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY SIGNS INC | Seaside, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY SIGNS, INC. | SEASIDE, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY WHARF CONCESSION #9 | MONTEREY, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTEREY WHARF CONCESSION NO. 9 LLC | Monterey, CA | Santa Cruz County Bank |
| $150,000–350,000 | MONTERY BAY ECONOMIC PARTNERSHIP | MARINA, CA | Santa Cruz County Bank |
| $150,000–350,000 | MORELAND NOTRE DAME SCHOOL | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | MORELAND NOTRE DAME SCHOOL | Watsonville, CA | Santa Cruz County Bank |
| $350,000–1 million | MORIARTY'S ROOFING INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $2–5 million | MOUNT HERMON ASSOC. INC. | Mount Hermon, CA | Santa Cruz County Bank |
| $1–2 million | MOUNT HERMON ASSOCIATION, INC | MOUNT HERMON, CA | Santa Cruz County Bank |
| $150,000–350,000 | MOUNTAIN BIKERS OF SANTA CRUZ | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | MOUNTAIN FEED AND FARM SUPPLY, LLC | BEN LOMOND, CA | Santa Cruz County Bank |
| $150,000–350,000 | MUSEUM OF ART & HISTORY AT THE MCPHERSON CENTER | Santa Cruz, CA | Santa Cruz County Bank |
| $350,000–1 million | NAVCO BERRY HARVEST INC | Watsonville, CA | Santa Cruz County Bank |
| $350,000–1 million | NAVCO BERRY HARVEST, INC. | WATSONVILLE, CA | Santa Cruz County Bank |
| $150,000–350,000 | NEW DAVENPORT CORPORATION | Davenport, CA | Santa Cruz County Bank |
| $150,000–350,000 | NEW DAVENPORT CORPORATION | DAVENPORT, CA | Santa Cruz County Bank |
| $350,000–1 million | NEW KRUNGTHAI CORPORATION | San Jose, CA | Santa Cruz County Bank |
| $150,000–350,000 | NEW KRUNGTHAL CORPORATION | SAN JOSE, CA | Santa Cruz County Bank |
| $150,000–350,000 | NEW LIFE COMMUNITY SERVICES | SANTA CRUZ, CA | Santa Cruz County Bank |
| $2–5 million | NEW TEACHER CENTER | SANTA CRUZ, CA | Santa Cruz County Bank |
| $2–5 million | NHS, INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $350,000–1 million | NOR1 | SANTA CLARA, CA | Santa Cruz County Bank |
| $350,000–1 million | NORTH BAY FORD | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | NORTHWEST SIGNS INC | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | NORTHWEST SIGNS INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $1–2 million | NUZ INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $1–2 million | NUZ, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | OCEAN PACIFIC LODGE, INC. | Santa Cruz, CA | Santa Cruz County Bank |
| $150,000–350,000 | OCEAN PACIFIC LODGE, INC. | SANTA CRUZ, CA | Santa Cruz County Bank |
| $150,000–350,000 | OCEANSIDE SUPPORTED LIVING SERVICES, INC | CAPITOLA, CA | Santa Cruz County Bank |
| $350,000–1 million | OCULAR IMAGING RESEARCH & READING CENTER LLC | Sunnyvale, CA | Santa Cruz County Bank |
| $150,000–350,000 | OCULAR IMAGING RESEARCH AND READING CENTER | Sunnyvale, CA | Santa Cruz County Bank |
| $150,000–350,000 | OLD BATH HOUSE BAR & GRILL LLC | Pacific Grove, CA | Santa Cruz County Bank |
| $150,000–350,000 | OLD BATH HOUSE BAR & GRILL, LLC | PACIFIC GROVE, CA | Santa Cruz County Bank |
| $150,000–350,000 | OLD ORCHARD SCHOOL | CAMPBELL, CA | Santa Cruz County Bank |
| $150,000–350,000 | OLIVE SPRINGS QUARRY, INC. | SOQUEL, CA | Santa Cruz County Bank |