Exhibit 32.2

                          MICROFINANCIAL, INCORPORATED
                    CERTIFICATION OF CHIEF FINANCIAL OFFICER
                 REGARDING QUARTERLY REPORT ON FORM 10-Q FOR THE
                           QUARTER ENDED JUNE 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 June 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
August 14, 2003.

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