UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (date of earliest event reported): July 28, 2004
MICROFINANCIAL INCORPORATED
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(Exact name of registrant as specified in its charter)
MASSACHUSETTS
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(State or other jurisdiction of incorporation)
1-14771 04-2962824
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(Commission file number) (IRS Employer Identification Number)
10-M Commerce Way, Woburn, MA 01801
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: 781-994-4800
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N/A
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(Former name or former address, if changed since last report)
Item 7. Financial Statements and Exhibits.
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Exhibit Exhibit Title
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Exhibit 99 Press Release dated July 28, 2004
Item 12. Results of Operations and Financial Condition.
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Pursuant to Form 8-K, General Instructions F, Registrant hereby
incorporates by reference the press release attached hereto as Exhibit 99
announcing its results for the second quarter of 2004.
SIGNATURES
Pursuant to the requirements of the Securities and Exchange Act of 1934, as
amended, the Registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.
MICROFINANCIAL INCORPORATED
Registrant
By: /s/ James Jackson
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James Jackson
Vice President and Chief Financial Officer
Dated: August 2, 2004