| $150,000–350,000 | SLAYCO, INC. | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | SMITH & SON TIRE, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | SMITH'S BAKERIES, INC. | BAKERSFIELD, CA | WebBank |
| $150,000–350,000 | SMITTEN CORP | BAKERSFIELD, CA | Mechanics Bank |
| $1–2 million | SNOW WELL SERVICE, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $350,000–1 million | SOILS ENGINEERING, INC. | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | SONDER RESTAURANT BAKERSFIELD, INC. | BAKERSFIELD, CA | Customers Bank |
| $350,000–1 million | SOUTH VALLEY COMPANIES, INC. | BAKERSFIELD, CA | Valley Strong CU |
| $350,000–1 million | SOUTHWEST CATTLE, LLC | BAKERSFIELD, CA | Bank of the West |
| $150,000–350,000 | SOUTHWEST EYE CARE OPTOMETRIC CENTER INC | BAKERSFIELD, CA | Stearns Bank National Association |
| $150,000–350,000 | SOUTHWEST FARM LLC | BAKERSFIELD, CA | Bank of the West |
| $350,000–1 million | SOUTHWEST PEDIATRICS, A MEDICAL CORPORAT | BAKERSFIELD, CA | Citizens Business Bank |
| $350,000–1 million | SPARTAN INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | SPECIAL TREATMENT EDUCATION AND PREVENTION SERVICES, INC | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | SPECIALTY TRIM & AWNING, INC. | BAKERSFIELD, CA | LCA Bank Corporation |
| $150,000–350,000 | SPENCERS RESTAURANTS, INC | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | ST. CLAIR MANAGEMENT INC | BAKERSFIELD, CA | Bank of America, National Association |
| $350,000–1 million | ST. JOHN'S LUTHERAN CHURCH OF BAKERSFIELD | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | STAN'S DISCOUNT ROOTER AND PLUMBING REPAIR, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | STAR KERN, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | STENDERUP AG PARTNERS | BAKERSFIELD, CA | Customers Bank |
| $1–2 million | STEVENS TRANSPORTATION INC | BAKERSFIELD, CA | Bank of America, National Association |
| $150,000–350,000 | STIER'S LEISURE VEHICLES, INC. DBA BARRY'S RV OUTLET | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | STINSON STATIONERS, INC | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | STOCKDALE PODIATRY GROUP, INC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | STOCKDALE RADIOLOGY PHYSICIAN SERVICES, INC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | STOCKDALE SOLAR, LLC | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | STOCKDALE VETERINARY HOSPITAL, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $350,000–1 million | STRIA, LLC | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | STUDENT ACCOUNT MANAGEMENT SERVICES | BAKERSFIELD, CA | Tri Counties Bank |
| $2–5 million | STURGEON & SON GRADING & PAVING, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | STURGEON SERVICES INTERNATIONAL, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | STURZ AND ABBY DENTAL, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | SULLY & SON HYD | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | SULLY'S FOOD STORES, LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | SUMMIT HILLS 85, LLC | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | SUN-GRO COMMODITIES, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $1–2 million | SUNRIDGE NURSERIES INC | BAKERSFIELD, CA | Bank of the Sierra |
| $350,000–1 million | SUNSET MECHANICAL & CONSTRUCTION, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | SUREBFD INC | BAKERSFIELD, CA | Bank of America, National Association |
| $1–2 million | SURF THRU, INC. - PANTANO | BAKERSFIELD, CA | BBVA USA |
| $350,000–1 million | SURFACE PUMPS | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | SWAIM'S MACHINE SHOP, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | SWEANEY, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | SYLVIA LOPEZ, A PROFESSIONAL LAW CORPORATION | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | SYNDICATE EMPIRE LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | SYNERGY WELLNESS GROUP INC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | T & W FARMS | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | T.C. HERITAGE INN 2 OF BAKERSFIELD, LLC | BAKERSFIELD, CA | Hickory Point Bank and Trust |
| $150,000–350,000 | TAASK INC | BAKERSFIELD, CA | Bank of America, National Association |
| $150,000–350,000 | TACOS LA VILLA MEXICAN GRILL | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | TAG & ASSOCIATES, LP | BAKERSFIELD, CA | Mission Bank |
| $1–2 million | TCI CASING SPECIALTIES, LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | TCJ LOGISTICS INC. | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | TECH TIME COMMUNICATIONS | BAKERSFIELD, CA | Mechanics Bank |
| $350,000–1 million | TEL-TEC SECURITY SYSTEMS, INC. | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | TEMBLOR BREWING LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | TEN-WEST TOWING, INC. | BAKERSFIELD, CA | Mechanics Bank |
| $1–2 million | TERRIO PHYSICAL THERAPY-FITNESS, INC | BAKERSFIELD, CA | Citizens Business Bank |
| $350,000–1 million | TERRY BEDFORD CONCRETE CONSTRUCTION INC | BAKERSFIELD, CA | Bank of the Sierra |
| $150,000–350,000 | TESLA TRUCKING INC | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $350,000–1 million | THE BLVD, LLC | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | THE BRIDGE BIBLE CHURCH OF THE MENNONITE | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $150,000–350,000 | THE CENTENNIAL GROUP | BAKERSFIELD, CA | Mechanics Bank |
| $350,000–1 million | THE LAW OFFICES OF YOUNG WOOLDRIDGE, LLP | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | THE MISSION AT KERN COUNTY | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | THE ROBERT LYNN COMPANY, INC. | BAKERSFIELD, CA | Mechanics Bank |
| $350,000–1 million | THE SEQUOIA SANDWICH COMPANY, LLC | BAKERSFIELD, CA | JPMorgan Chase Bank, National Association |
| $350,000–1 million | THE TRAILER COMPANY, INC. | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | THERMAL ENERGY SOLUTIONS, INC. | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | THOMAS PARK | BAKERSFIELD, CA | Cross River Bank |
| $1–2 million | THOMSON INTERNATIONAL INCORPORATED | BAKERSFIELD, CA | Bank of America, National Association |
| $1–2 million | THORN P.E.S. INC. | BAKERSFIELD, CA | MetaBank, National Association |
| $1–2 million | THREE WAY CHEVROLET CO | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | TIGER TANKS, INC. | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | TILLEMA FARMS | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $350,000–1 million | TITAN OILFIELD SERVICES, INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $350,000–1 million | TK PACIFIC INC | BAKERSFIELD, CA | Citizens Business Bank |
| $150,000–350,000 | TONY'S FIREHOUSE ENTERPRISES 178 INC | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | TORETTA LTD I LP | BAKERSFIELD, CA | BBVA USA |
| $350,000–1 million | TOTAL GROUP INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | TOTAL PROCESS SOLUTIONS | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | TOWERY AIR CONDITIONING INC | BAKERSFIELD, CA | Tri Counties Bank |
| $2–5 million | TOWNSEND INDUSTRIES, INC | BAKERSFIELD, CA | Bank of the West |
| $150,000–350,000 | TRANS XPRESS LINE, INC | BAKERSFIELD, CA | Citibank, N.A. |
| $2–5 million | TRANS-WEST SECURITY SERVICES, INC. | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | TRANS-WEST SERVICES, INC | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | TRATTORIA GIRL INC | BAKERSFIELD, CA | Bank of America, National Association |
| $1–2 million | TRB OILFIELD SERVICES INC | BAKERSFIELD, CA | Tri Counties Bank |
| $350,000–1 million | TRENDZ SPECIALTY SERVICES, LLC | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | TRI STATE ELECTRIC, INC. | BAKERSFIELD, CA | Mission Bank |
| $150,000–350,000 | TRI-FANUCCHI FARMS, LLC | BAKERSFIELD, CA | Mechanics Bank |
| $350,000–1 million | TRICOR REFINING LLC | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $150,000–350,000 | TRILOGY DAIRY, LP | BAKERSFIELD, CA | Bank of the West |
| $350,000–1 million | TRINITY SAFETY COMPANY, LLC | BAKERSFIELD, CA | Mechanics Bank |
| $150,000–350,000 | TRIO PETROLEUM LLC | BAKERSFIELD, CA | Citizens Business Bank |
| $1–2 million | TRUITT OILFIELD MAINTENANCE CORPORATION | BAKERSFIELD, CA | Fountainhead SBF LLC |
| $350,000–1 million | TRUXTUN SURGERY CENTER INC. | BAKERSFIELD, CA | Valley Republic Bank |
| $150,000–350,000 | TRY TOUCH SERVICE INC | BAKERSFIELD, CA | Wells Fargo Bank, National Association |
| $150,000–350,000 | TUBULAR INSPECTION CO., INC. | BAKERSFIELD, CA | Mission Bank |