Exhibit 32.2

                          TEXTRON FINANCIAL CORPORATION
                            CERTIFICATION PURSUANT TO
                               RULE 13A-14(B) AND
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

   In connection with the Quarterly Report of Textron Financial Corporation (the
"Company") on Form 10-Q for the period ended March 31, 2004 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Thomas
J. Cullen, Executive Vice President and Chief Financial Officer of the Company,
certify, pursuant to Rule 13a-14(b) and 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

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

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


                                    Textron Financial Corporation

                                    /s/ Thomas J. Cullen
                                    ------------------------------------------
                                    Thomas J. Cullen
                                    Executive Vice President and
                                    Chief Financial Officer


Date: May 10, 2004