| $5–10 million | HEART HOSPITAL OF BK, LLC | BAKERSFIELD, CA | Pacific Premier Bank |
| $350,000–1 million | HEIGHT STREET SKILLED CARE, LLC | BAKERSFIELD, CA | WebBank |
| $150,000–350,000 | HEREDIA CABLING SOLUTIONS | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | HERITAGE BIBLE CHURCH | BAKERSFIELD, CA | Mechanics Bank |
| $2–5 million | HERITAGE NORTHEAST MEDICAL MANAGEMENT INC | BAKERSFIELD, CA | Bank of America, National Association |
| $150,000–350,000 | HILL THREADED PRODUCTS INC | BAKERSFIELD, CA | Citizens Business Bank |
| $350,000–1 million | HILL'S WELDING & ENGINEERING CONTRACTOR, INC. | BAKERSFIELD, CA | United Security Bank |
| $150,000–350,000 | HINA'S HOMECARE PHARMACY | BAKERSFIELD, CA | Mechanics Bank |
| $350,000–1 million | HOCKING DENTON PALMQUIST | BAKERSFIELD, CA | Citizens Business Bank |
| $350,000–1 million | HODEL'S COUNTRY DINING | BAKERSFIELD, CA | Mechanics Bank |
| $350,000–1 million | HOLDERS AIR CONDITIONING & HEATING INC. | BAKERSFIELD, CA | Tri Counties Bank |
| $150,000–350,000 | HOLLOWAY AGRICULTURAL SERVICES LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | HOLLOWAY LOGISTICS, LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | HOLLOWAY MANAGEMENT LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | HOLMES SPECIALTY CO INC | BAKERSFIELD, CA | Bank of America, National Association |
| $350,000–1 million | HOSSEINI ENTERPRISES, INC. | BAKERSFIELD, CA | Mechanics Bank |
| $350,000–1 million | HOUCHIN COMMUNITY BLOOD BANK | BAKERSFIELD, CA | Valley Republic Bank |
| $2–5 million | HPS MECHANICAL INC | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | HUDSON TILE INC. | BAKERSFIELD, CA | Valley Strong CU |
| $150,000–350,000 | HUFFMAN AND DOWNS MAINTENANCE | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | I. ANDRADE ENTERPRISES, INC | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $350,000–1 million | ICFG - BAKERSFIELD SW FOURSQUARE CHURCH | BAKERSFIELD, CA | Bank of the West |
| $1–2 million | ILLUME AGRICULTURE, LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | IMPAX AUTOMATION, LLC | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | INDEPENDENT PIPE & STEEL INC. | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | INDUSTRIAL CONTROLS GROUP INC | BAKERSFIELD, CA | Bank of America, National Association |
| $150,000–350,000 | INFINITI OF BAKERSFIELD, INC. | BAKERSFIELD, CA | U.S. Bank, National Association |
| $350,000–1 million | INFINITY COMMUNICATIONS & CONSULTING, INC | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | INNOVATIVE DISASTER RESTORATION INC | BAKERSFIELD, CA | Citizens Business Bank |
| $2–5 million | INNOVATIVE ENGINEERING SYSTEMS, INC. | BAKERSFIELD, CA | American Momentum Bank |
| $350,000–1 million | INNOVATIVE TREE EXPERTS | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $350,000–1 million | INTEGRITY LABOR SERVICES, LLC | BAKERSFIELD, CA | MUFG Union Bank, National Association |
| $150,000–350,000 | IRONWORKS SPEED & KUSTOM LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | IRVIN AND YORK MOTORCYCLE SALES | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | IVS COMPUTER TECHNOLOGY INC. | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | J & M BAR & GRILL INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | J AND E RESTAURANT SUPPLY INC | BAKERSFIELD, CA | Bank of America, National Association |
| $350,000–1 million | J NOBLE BINNS PLUMBING COMPANY | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $150,000–350,000 | J&R DAIRY | BAKERSFIELD, CA | Customers Bank |
| $150,000–350,000 | J'S PLACE LLC | BAKERSFIELD, CA | Bank of the West |
| $1–2 million | J.L. PLANK, INCORPORATED DBA CEN-CAL CON | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | J.V.D. ASSISTED LIVING, INC. | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | JACALITO GRILL INC. | BAKERSFIELD, CA | Customers Bank |
| $150,000–350,000 | JACK DAVENPORT SWEEPING SERVICES, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $350,000–1 million | JACOBO PHYSICAL THERAPY, INC. | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $1–2 million | JAMES E THOMPSON, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | JANDL AGRICULTURAL SERVICE | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $150,000–350,000 | JASON NGUYEN DENTAL CORPORATION | BAKERSFIELD, CA | Bank of America, National Association |
| $150,000–350,000 | JAY AMBANI HOSPITALITY INC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | JBBC, INC. | BAKERSFIELD, CA | Tri Counties Bank |
| $350,000–1 million | JCC LOGISTICS INC | BAKERSFIELD, CA | Cross River Bank |
| $150,000–350,000 | JEFFREY J. CROWLEY, M.D., INC. | BAKERSFIELD, CA | Bank of the Sierra |
| $350,000–1 million | JERRY AND KEITH'S INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | JESS SMITH & SONS COTTON LLC | BAKERSFIELD, CA | Bank of America, National Association |
| $150,000–350,000 | JHAJ AND JHAJ, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | JIM'S STEEL SUPPLY, LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | JIM'S SUPPLY CO., INC. | BAKERSFIELD, CA | Mechanics Bank |
| $1–2 million | JIM'S TOWING SERVICE, INC | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | JIMMYASH LLC | BAKERSFIELD, CA | Newtek Small Business Finance, Inc. |
| $150,000–350,000 | JIMSON INVESTMENTS LLC | BAKERSFIELD, CA | Tri Counties Bank |
| $150,000–350,000 | JIN SUSHI CORPORATION | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | JOE CHAVARRIA DBA NEW GENERATION GRAPHICS | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | JOHN BALFANZ HOMES, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | JOHN HAWLEY OPTOMETRIC CORPORATION | BAKERSFIELD, CA | Union Bank and Trust Company |
| $150,000–350,000 | JOHNSTON NURSERIES, FLP | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | JOINT HEIRS FOOD CORPORATION | BAKERSFIELD, CA | Bank of America, National Association |
| $350,000–1 million | JONES-WALBAUM CORPORATION | BAKERSFIELD, CA | Mission Bank |
| $350,000–1 million | JOSE ARREDONDO ENTERPRISES, INC | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | JOURNEY AIR CONDITIONING CO., INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | JP WORLD ENTERPRISES INC | BAKERSFIELD, CA | Bank of the Sierra |
| $2–5 million | JTI ELECTRICAL & INSTRUMENTATION, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | JTJ CONSTRUCTION, INC. | BAKERSFIELD, CA | Bank of the Sierra |
| $2–5 million | JTS MODULAR, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | JUAN MENDOZA FLORES DBA MENDOZA FLC | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $150,000–350,000 | KARPE MORTGAGE INC. | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | KARS TOWING & TRANSPORT, INC. DBA DAVE'S FLEET MAINTENANCE & TOWING | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $350,000–1 million | KD & KIDS INC | BAKERSFIELD, CA | First Home Bank |
| $150,000–350,000 | KEATHLEY, MAXWELL & ANTONGIOVANNI, LLP | BAKERSFIELD, CA | Mission Bank |
| $350,000–1 million | KERN ADULT PROGRAM, INC. | BAKERSFIELD, CA | Readycap Lending, LLC |
| $350,000–1 million | KERN AG SERVICES INC | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | KERN ALLERGY MEDICAL CLINIC, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | KERN ANIMAL EMERGENCY CLINIC, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $350,000–1 million | KERN ASPHALT PAVING & SEALING CO., INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | KERN AUTO EXCHANGE INC | BAKERSFIELD, CA | Celtic Bank Corporation |
| $350,000–1 million | KERN BRIDGES YOUTH HOMES | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | KERN BROS. TRUCKING, INC | BAKERSFIELD, CA | Bank of the Sierra |
| $150,000–350,000 | KERN CARDIOLOGY MEDICAL GROUP | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $1–2 million | KERN COUNTY ASSOCIATES, LP | BAKERSFIELD, CA | Zions Bank, A Division of |
| $150,000–350,000 | KERN COUNTY NEUROLOGICAL MEDICAL GROUP, INC. | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | KERN ELECTRIC DISTRIBUTORS | BAKERSFIELD, CA | Bank of America, National Association |
| $150,000–350,000 | KERN GASTROENTEROLOGY MEDICAL GROUP | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | KERN GLASS AND ALUMINUM COMPANY | BAKERSFIELD, CA | Tri Counties Bank |
| $1–2 million | KERN HARVESTING INC | BAKERSFIELD, CA | Bank of America, National Association |
| $1–2 million | KERN MACHINERY, INC | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | KERN MEDICAL SURGERY CENTER LLC | BAKERSFIELD, CA | PNC Bank, National Association |
| $2–5 million | KERN OIL & REFINING CO. | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | KERN PACIFIC CONSTRUCTION CO. | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | KERN RADIOLOGY MEDICAL GROUP, INC. | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | KERN RANCH HOMES, INC. | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | KERN RESIDENTIAL SERVICE, INC | BAKERSFIELD, CA | Mechanics Bank |