EXHIBIT 32.2

                          MICROFINANCIAL, INCORPORATED
                        CERTIFICATION OF PERIODIC REPORT

     James R. Jackson, 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 Annual Report on Form 10-K for
the year ended December 31, 2003 (the "Covered Report") and, excepts as
corrected or supplemented in a subsequent covered report:

          (3) the Covered 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 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
March 30, 2003.

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