Exhibit 32.2


                          MICROFINANCIAL, INCORPORATED
                    CERTIFICATION OF CHIEF FINANCIAL OFFICER
                REGARDING QUARTERLY REPORT ON FORM 10-Q FOR THE
                        QUARTER ENDED SEPTEMBER 30, 2003

      James R. Jackson Jr., Vice President and Chief Financial Officer of
MicroFinancial, Incorporated, (the "Company"), hereby certifies that, to the
best of his knowledge, based upon a review of the Quarterly Report on Form 10-Q
for the Quarter ended September 30, 2003 (the "Covered Report") and, excepts as
corrected or supplemented in a subsequent covered report:

-     the Covered Report fully complies with the requirements of Section 13(a)
      or 15(d) of the Securities Exchange Act of 1934; and

-     the information contained in the Covered Report fairly presents, in all
      material respects, the financial condition and results of operations of
      the Company.

In Witness Whereof, the undersigned has signed this Certification as of this
November 14, 2003.

                                      /s/JAMES R. JACKSON JR.
                                      -----------------------
                                      Vice President and Chief Financial Officer