Item 2.02. Results of Operations and Financial Condition.
On October 21, 2009, the Registrant announced its results of operations for its third quarter and the nine month period ended September 30, 2009. 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 October 21, 2009 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: October 22, 2009