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 22, 2003
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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 22, 2003
Item 9. Information Provided under Item 12 (Results of Operations and Financial
Condition)
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The information included in this item is provided under Item 12,
"Results of Operations and Financial Condition".
Pursuant to Form 8-K, General Instructions F, Registrant hereby
incorporates by reference the press release attached hereto as Exhibit 99.
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/ Richard Latour
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Richard Latour
President and Chief Executive Officer
Dated: July 22, 2003