Exhibit 99.2



                          TEXTRON FINANCIAL CORPORATION

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Textron Financial Corporation (the
"Company") on Form 10-K for the period ending December 28, 2002 as filed with
the Securities and Exchange Commission on the Date hereof (the "Report"), I,
Thomas J. Cullen, Executive Vice President & Chief Financial Officer of the
Company, certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906
of the Sarbanes-Oxley Act of 2002, that:

         (3)      The Report fully complies with the requirements of section
                  13(a) or 15(d) of the Securities Exchange Act of 1934; and

         (4)      The information contained in the Report fairly presents, in
                  all material respects, the financial condition and result of
                  operations of the Company.

                                             Textron Financial Corporation

Date: February 27, 2003                      /s/ Thomas J. Cullen
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                                             Thomas J. Cullen
                                             Executive Vice President and Chief
                                                 Financial Officer