On November 14, 2008, SMF Energy Corporation issued a press release reporting its operating results for the first quarter ended September 30, 2008. A copy of this press release is attached hereto as Exhibit 99.1 and is incorporated by reference herein.

The information in this Form 8-K, including the information set forth in Exhibit 99.1, is being furnished and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

(d) Exhibits

       Exhibit No. Description

       99.1        Press release of SMF Energy Corporation, dated November 14,
                   2008, announcing earnings for the first quarter ended
                   September 30, 2008.