UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

 

Washington, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

 

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

 

Date of Report (date of earliest event reported): February 23, 2005

 

MICROFINANCIAL INCORPORATED

(Exact name of registrant as specified in its charter)

 

MASSACHUSETTS

(State or other jurisdiction of incorporation)

 

 

04-2962824	1-14771
(Commission file number)	(IRS Employer Identification Number)

 

 

10-M Commerce Way, Woburn, MA 01801

(Address of principal executive offices) (Zip Code)

 

Registrant's telephone number, including area code: 781-994-4800

 

N/A

(Former name or former address, if changed since last report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2):

 

o  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

 

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Item 2.02.

Results of Operations and Financial Condition.

 

On February 23, 2005, the Registrant announced its results of operations for the fiscal quarter and full year ended December 31, 2004. Pursuant to Form 8-K, General Instruction F, the Registrant hereby incorporates by reference the press release attached hereto as Exhibit 99.

 

Item 9.01.

Financial Statements and Exhibits.

 

Exhibit

Exhibit Title

 

Exhibit 99

Press Release dated February 23, 2005

 

 

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 R. Jackson, Jr.
	James R. Jackson, Jr.

Vice President and Chief Financial Officer

 

Dated: February 24, 2005

 

 

 

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