Exhibit 32.1
                                                                    ------------


                          MICROFINANCIAL, INCORPORATED
                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                 REGARDING QUARTERLY REPORT ON FORM 10-Q FOR THE
                          QUARTER ENDED MARCH 31, 2004


     Richard F. Latour, President and Chief Executive 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 March 31, 2004 (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 May
14, 2004.


                                           /s/ RICHARD F. LATOUR
                                           -------------------------------------
                                           Richard F. Latour
                                           President and Chief Executive Officer