| $350,000–1 million | ADVANCED TEX SCREEN PRINTING INC | BAY CITY, MI | Isabella Bank |
| $150,000–350,000 | AEROSPACE AMERICA | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | ANDERSON RADIO INC | BAY CITY, MI | The Huntington National Bank |
| $150,000–350,000 | ARCHES UP NORTH, INC. | BAY CITY, MI | Independent Bank |
| $350,000–1 million | ARNOLD SALES COMPLETE JANITOR SUPPLY INC | BAY CITY, MI | The Huntington National Bank |
| $350,000–1 million | ATM-TEX LLC | BAY CITY, MI | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | B N B ENTERPRISES INC | BAY CITY, MI | PNC Bank, National Association |
| $150,000–350,000 | BAKER EAR, NOSE AND THROAT ASSOCIATES PLC | BAY CITY, MI | Independent Bank |
| $350,000–1 million | BAY AREA CATHOLIC SCHOOL | BAY CITY, MI | TCF National Bank |
| $150,000–350,000 | BAY AREA HEALTH CLINIC, PC | BAY CITY, MI | Kabbage, Inc. |
| $150,000–350,000 | BAY AREA VETERINARY GROUP INC | BAY CITY, MI | PNC Bank, National Association |
| $350,000–1 million | BAY CARBON INC | BAY CITY, MI | PNC Bank, National Association |
| $1–2 million | BAY CAST, INC. | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | BAY CITY COMFORT CARE, LLC | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | BAY COUNTY CHILD & SENIOR CITIZEN CENTERS, INC. | BAY CITY, MI | TCF National Bank |
| $350,000–1 million | BAY EYE CARE CENTER, P.C. | BAY CITY, MI | TCF National Bank |
| $150,000–350,000 | BAY MACHINING AND SALES, INC | BAY CITY, MI | 1st State Bank |
| $350,000–1 million | BAY PLASTICS MACHINERY COMPANY LLC | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | BAY VALLEY RESORT AND CONFERENCE CENTER | BAY CITY, MI | TCF National Bank |
| $150,000–350,000 | BIERLEIN-TROMBLEY ELECTRIC, LLC | BAY CITY, MI | Frankenmuth CU |
| $150,000–350,000 | BOURDOW CONTRACTING, LLC | BAY CITY, MI | Isabella Bank |
| $150,000–350,000 | BOYS AND GIRLS CLUBS OF BAY COUNTY, INC. | BAY CITY, MI | Independent Bank |
| $2–5 million | CALGARY SERVICES, LLC | BAY CITY, MI | The Huntington National Bank |
| $350,000–1 million | CAMBRON ENGINEERING INC. | BAY CITY, MI | Independent Bank |
| $150,000–350,000 | CHARTER SENIOR LIVING BOY CITY, LLC | BAY CITY, MI | Midwest Regional Bank |
| $150,000–350,000 | CHILDRENS MEDICAL GROUP OF SAGINAR BAY PLLC | BAY CITY, MI | The Huntington National Bank |
| $350,000–1 million | COLONIAL REST HOME, INC. DBA THE CARRIAGE HOUSE OF BAY CITY | BAY CITY, MI | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | COMMERCIAL KITCHEN SERVICE CO. | BAY CITY, MI | Thumb Bank & Trust |
| $350,000–1 million | CONTINENTAL RENTAL, INC. | BAY CITY, MI | TCF National Bank |
| $1–2 million | DELTA CONTAINERS, INC. | BAY CITY, MI | The Huntington National Bank |
| $150,000–350,000 | DENTAL BUSINESS SERVICES INC | BAY CITY, MI | ChoiceOne Bank |
| $350,000–1 million | DICE RESOURCE HOLDINGS LLC | BAY CITY, MI | TCF National Bank |
| $150,000–350,000 | DIE STAMPCO, INC | BAY CITY, MI | 1st State Bank |
| $350,000–1 million | DOBSON HEALTHCARE SERVICES INC | BAY CITY, MI | Wildfire CU |
| $1–2 million | DOBSON INDUSTRIAL, INC. | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | DONALD J SABOURIN DDS PLLC | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | DORE & ASSOCIATES CONTRACTING, INC. | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | DOUG WIRT ENTERPRISES, INC. | BAY CITY, MI | TCF National Bank |
| $350,000–1 million | DOW BAY AREA FAMILY YOUNG MEN'S CHRISTIAN ASSOCIATION | BAY CITY, MI | TCF National Bank |
| $150,000–350,000 | DSL TRANSPORT INC | BAY CITY, MI | PNC Bank, National Association |
| $150,000–350,000 | DYNA PAK CORPORATION | BAY CITY, MI | PNC Bank, National Association |
| $150,000–350,000 | ENCOMPASS THERAPY CENTER L.L.C. | BAY CITY, MI | 1st State Bank |
| $1–2 million | ESCON GROUP, INC. | BAY CITY, MI | Isabella Bank |
| $150,000–350,000 | EUCLID MEDICAL GROUP PC | BAY CITY, MI | The Huntington National Bank |
| $1–2 million | F.P. HORAK EMPLOYMENT SERVICES INC | BAY CITY, MI | MetaBank, National Association |
| $2–5 million | FABIANO BROS., INC. | BAY CITY, MI | JPMorgan Chase Bank, National Association |
| $350,000–1 million | FABIANO BROTHERS DEVELOPMENT - WISCONSIN, LLC | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | FAITH LUTHERAN CHURCH OF BANGOR TOWNSHIP | BAY CITY, MI | Thumb Bank & Trust |
| $350,000–1 million | FUTURE TECHNOLOGIES, INC. | BAY CITY, MI | 1st State Bank |
| $350,000–1 million | G & D CONTRACTING, INC. | BAY CITY, MI | 1st State Bank |
| $350,000–1 million | GAME CHANGER PEDIATRIC THERAPY SERVICES LLC | BAY CITY, MI | TCF National Bank |
| $350,000–1 million | GENERAL HOUSING CORPORATION | BAY CITY, MI | Mayville State Bank |
| $150,000–350,000 | GOBAL DEVELOPMENT & CONSTRUCTION, LLC | BAY CITY, MI | 1st State Bank |
| $350,000–1 million | GOUGEON BROTHERS, INC | BAY CITY, MI | 1st State Bank |
| $350,000–1 million | GRAFF CHEVROLET, INC | BAY CITY, MI | JPMorgan Chase Bank, National Association |
| $150,000–350,000 | GREAT LAKES MEDICAL CENTER, PLLC | BAY CITY, MI | Independent Bank |
| $150,000–350,000 | GREGORY ROSECRANS DDS PC | BAY CITY, MI | 1st State Bank |
| $350,000–1 million | HAGEN FORD, INC. | BAY CITY, MI | Thumb Bank & Trust |
| $150,000–350,000 | HERMAN HISS & COMPANY | BAY CITY, MI | TCF National Bank |
| $150,000–350,000 | IMMANUEL LUTHERAN CHURCH | BAY CITY, MI | PNC Bank, National Association |
| $350,000–1 million | INTERNATIONAL R.V. WORLD, INC. | BAY CITY, MI | The Huntington National Bank |
| $150,000–350,000 | INTERSTATE BATTERY SYSTEM OF CENTRAL MICHIGAN INC | BAY CITY, MI | PNC Bank, National Association |
| $150,000–350,000 | J & B INTERNATIONAL LLC | BAY CITY, MI | The Huntington National Bank |
| $150,000–350,000 | J AND R HUNTER, LLC | BAY CITY, MI | The Huntington National Bank |
| $150,000–350,000 | J.M. KUSCH, INC. | BAY CITY, MI | Thumb Bank & Trust |
| $350,000–1 million | JOB SITE SERVICES, INC | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | JOPATICO INC | BAY CITY, MI | Independent Bank |
| $150,000–350,000 | JR. MAC, INC. | BAY CITY, MI | Independent Bank |
| $150,000–350,000 | K R METAL ENGINEERS CORP | BAY CITY, MI | PNC Bank, National Association |
| $350,000–1 million | LABADIE AUTO OF BAY CITY, LLC | BAY CITY, MI | The Huntington National Bank |
| $1–2 million | LABADIE BUICK GMC CADILLAC, INC. | BAY CITY, MI | The Huntington National Bank |
| $150,000–350,000 | LADI, INC. | BAY CITY, MI | Independent Bank |
| $150,000–350,000 | LIBERTY LIVING INC | BAY CITY, MI | TCF National Bank |
| $350,000–1 million | LSD OPERATING CO INC | BAY CITY, MI | Bank of America, National Association |
| $150,000–350,000 | LUCKY'S STEAKHOUSE V, INC | BAY CITY, MI | Tri-County Bank |
| $2–5 million | M & R CORPORATE SERVICES LLC | BAY CITY, MI | PNC Bank, National Association |
| $150,000–350,000 | M & W CRANE RENTAL LLC | BAY CITY, MI | Isabella Bank |
| $350,000–1 million | M.P.A. GROUP NFP LTD. | BAY CITY, MI | TCF National Bank |
| $350,000–1 million | MACMILLAN ASSOCIATES, INC. | BAY CITY, MI | Mayville State Bank |
| $150,000–350,000 | MAIER & ASSOCIATES FINANCIAL GROUP, INC. | BAY CITY, MI | 1st State Bank |
| $1–2 million | MASLEASING, INC. | BAY CITY, MI | TCF National Bank |
| $350,000–1 million | MERCURY THERAPY MGT INC. | BAY CITY, MI | The Huntington National Bank |
| $350,000–1 million | METRO FABRICATING LLC | BAY CITY, MI | PNC Bank, National Association |
| $150,000–350,000 | MODERN MACHINE CO. | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | MOULTHROP-CLIFT, INC. | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | MPA GROUP LTD | BAY CITY, MI | The Huntington National Bank |
| $150,000–350,000 | NEW EXECUTIVE MORTGAGE LLC | BAY CITY, MI | Thumb Bank & Trust |
| $350,000–1 million | NEWTECH FINANCIAL SERVICES LLC | BAY CITY, MI | Frankenmuth CU |
| $350,000–1 million | NHB OPERATIONS, LLC | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | NORDIC PARTNERS, INC. | BAY CITY, MI | TCF National Bank |
| $2–5 million | NORTHERN CONCRETE PIPE INC | BAY CITY, MI | PNC Bank, National Association |
| $350,000–1 million | NOTEBAERT CONSTRUCTION SERVICES, INC. | BAY CITY, MI | 1st State Bank |
| $350,000–1 million | NXT GENERATION, LLC | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | O'CONNOR'S AUTO OUTLET, INC. | BAY CITY, MI | 1st State Bank |
| $2–5 million | OUTDOOR ADVENTURES, INC. | BAY CITY, MI | Huron Community Bank |
| $150,000–350,000 | PARAMOUNT REHABILITATION SERVICES, P.C. | BAY CITY, MI | Frankenmuth CU |
| $1–2 million | PETERS MANAGEMENT GROUP L.L.C. | BAY CITY, MI | Independent Bank |
| $350,000–1 million | PIONEER QUICK LUBES, INC. | BAY CITY, MI | KeyBank National Association |
| $150,000–350,000 | PLAY, LEARN & GROW, INC. | BAY CITY, MI | 1st State Bank |
| $150,000–350,000 | PRIME BROTHERS MATTRESS & FURNITURE CO. | BAY CITY, MI | Thumb Bank & Trust |