<ARTICLE> 5 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30, 1999 UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <CIK> 0000827230 <NAME> MICROFINANCIAL INCORPORATED <MULTIPLIER> 1 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> APR-01-1999 <PERIOD-END> JUN-30-1999 <EXCHANGE-RATE> 1 <CASH> 11,688 <SECURITIES> 0 <RECEIVABLES> 232,236 <ALLOWANCES> 24,471 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 15,390 <DEPRECIATION> 8,069 <TOTAL-ASSETS> 244,612 <CURRENT-LIABILITIES> 0 <BONDS> 130,636 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 133 <OTHER-SE> 81,822 <TOTAL-LIABILITY-AND-EQUITY> 244,612 <SALES> 0 <TOTAL-REVENUES> 23,711 <CGS> 0 <TOTAL-COSTS> 5,708 <OTHER-EXPENSES> 0 <LOSS-PROVISION> 6,064 <INTEREST-EXPENSE> 2,366 <INCOME-PRETAX> 7,808 <INCOME-TAX> 3,263 <INCOME-CONTINUING> 0 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,543 <EPS-BASIC> 0.34 <EPS-DILUTED> 0.34