<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEPTEMBER 30, 2000 UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000827230
<NAME> MICROFINANCIAL INCORPORATED
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS

<S>                             <C>
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<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          18,557
<SECURITIES>                                         0
<RECEIVABLES>                                  327,481
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<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
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<DEPRECIATION>                                  10,457
<TOTAL-ASSETS>                                 335,195
<CURRENT-LIABILITIES>                                0
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                                0
                                          0
<COMMON>                                           134
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<TOTAL-LIABILITY-AND-EQUITY>                   335,195
<SALES>                                              0
<TOTAL-REVENUES>                                33,539
<CGS>                                                0
<TOTAL-COSTS>                                    6,879
<OTHER-EXPENSES>                                     0
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<INTEREST-EXPENSE>                               4,124
<INCOME-PRETAX>                                  9,152
<INCOME-TAX>                                     3,851
<INCOME-CONTINUING>                                  0
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<CHANGES>                                            0
<NET-INCOME>                                     5,301
<EPS-BASIC>                                       0.42
<EPS-DILUTED>                                     0.42


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