formsc13ga.htm
SECURITIES
AND EXCHANGE COMMISSION
Washington,
D.C. 20549
SCHEDULE
13G/A
Under
the Securities Exchange Act of 1934
(Amendment
No. 10)
MicroFinancial
Incorporated
(Name of
Issuer)
Common
Stock
(Title of
Class of Securities)
595072 1
09
(CUSIP
Number)
December 31,
2009
(Date of
Event Which Requires Filing of this Statement)
Check
the appropriate box to designate the
rule pursuant to which this Schedule is filed:
o Rule
13d-1(b)
o Rule
13d-1(c)
x Rule
13d-1(d)
* The remainder of
this cover page shall be filled out
for a reporting person's initial filing on this form with respect to
the subject class of securities, and for any subsequent amendment containing
information which would alter disclosures provided in a prior cover
page.
The
information required on the remainder of this cover page shall not be deemed to
be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934
(the "Act") or otherwise subject to the liabilities of that section of the Act,
but shall be subject to all other provisions of the Act (however, see the
Notes).
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CUSIP
No. 595072 1 09
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13G
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Page
2 of 5 Pages
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1. NAME
OF REPORTING PERSONS
Torrence C.
Harder
2. CHECK
THE APPROPRIATE BOX IF A MEMBER OF A GROUP (SEE INSTRUCTIONS)
(a) o (b) o
Not
Applicable.
3. SEC
USE ONLY
4. CITIZENSHIP
OR PLACE OF ORGANIZATION
United States of
America.
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NUMBER
OF
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5.
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SOLE
VOTING POWER
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SHARES
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1,510,353
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BENEFICIALLY
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6.
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SHARED
VOTING POWER
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OWNED
BY
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276,045
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EACH
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7.
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SOLE
DISPOSITIVE POWER
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REPORTING
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1,510,353
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PERSON
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8.
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SHARED
DISPOSITIVE POWER
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WITH
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276,045
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9. AGGREGATE
AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
1,786,398
10. CHECK
IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES
[-] (SEE INSTRUCTIONS)
Not
Applicable.
11. PERCENT
OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
Approximately 12.5%
(1)
12. TYPE
OF REPORTING PERSON (SEE INSTRUCTIONS)
IN
(1) Based
on 14,174,326 shares of MicroFinancial Incorporated's Common Stock outstanding,
as reported in the Quarterly Report on Form 10-Q filed on November 16,
2009.
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CUSIP
No. 595072 1 09
|
13G
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Page 3
of 5 Pages
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Item
1(a). Name of Issuer:
MicroFinancial
Incorporated
Item
1(b). Address of Issuer's Principal Executive Offices:
10-M Commerce Way, Woburn,
MA 01801
Item
2(a). Name of Person Filing:
Torrence C.
Harder
Item
2(b). Address of Principal Business Office, or if None,
Residence:
10-M Commerce Way, Woburn,
MA 01801
Item
2(c). Citizenship:
United States of
America
Item
2(d). Title of Class of Securities:
Common
Stock
Item
2(e). CUSIP Number:
595072 1
09
Item
3. If this Statement is filed pursuant to Rule 13d-1(b), or
13d-2(b) or (c), check whether the person filing is a:
(a) o Broker or
dealer registered under Section 15 of the Exchange Act.
(b) o Bank as
defined in Section 3(a)(6) of the Exchange Act.
(c) o Insurance company
as defined in Section 3(a)(19) of the Exchange Act.
(d) o Investment company registered
under Section 8 of the Investment Company Act.
(e) o An
investment adviser in accordance with Rule 13d-1(b)(1)(ii)(E);
(f) o An
employee benefit plan or endowment fund
in accordance with Rule 13d-1(b)(1)(ii)(F).
(g) o A
parent holding company or control person in
accordance with Rule 13d-1(b)(1)(ii)(G).
(h) o A
savings association as defined in Section 3(b) of the
Federal Deposit Insurance Act.
(i) o A
church plan that is excluded from
the definition of an
investment company under Section 3(c)(14) of
the Investment Company Act.
(j) o Group, in
accordance with Rule 13d-1(b)(1)(ii)(J).
Not
Applicable.
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CUSIP
No. 595072 1 09
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13G
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Page 4
of 5 Pages
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Item
4. Ownership.
(a) Amount
beneficially owned: 1,786,398
Of such
1,786,398 shares of Common Stock (i) the reporting person is the
direct beneficial owner of 1,180,953 shares of Common
Stock and 145,000 shares of Common Stock issuable upon the
exercise of vested options which have vested or shall have vested by March 1,
2010; (ii) the reporting person is
the indirect beneficial owner of 92,200 shares of Common
Stock directly beneficially owned by the Lauren Elizabeth
Harder Trust, of which the
reporting person's daughter, Lauren
Elizabeth Harder, is the sole beneficiary and
over which shares the reporting person retains sole voting
and investment power as the sole trustee of such
Trust; (iii) the reporting person is the indirect beneficial owner of
92,200 shares of Common Stock directly beneficially owned by the
Ashley Jane Harder Trust, of which the reporting
person's daughter, Ashley Jane Harder, is the
sole beneficiary and over which shares
the reporting person retains sole voting
and investment power as the sole trustee of such Trust;
and (iv) the reporting person is the indirect beneficial owner
of 276,045 shares of
Common Stock directly beneficially owned
by
Entrepreneurial Ventures, Inc. ("EVI") and
over which shares the reporting person
retains shared voting and investment power through his
ownership in, and position as President and Director of, EVI.
(b) Percent
of class: Approximately 12.5% (2)
(c) Number
of shares as to which such person has:
(i) Sole
power to vote or to direct the vote: 1,510,353
(ii) Shared
power to vote or to direct the vote: 276,045
(iii)
Sole power to dispose or to direct the disposition
of: 1,510,353
(iv) Shared
power to dispose or to direct the disposition
of: 276,045
Item
5. Ownership of Five Percent or Less of a Class.
Not
Applicable.
Item
6. Ownership of More Than Five Percent on Behalf of Another
Person.
Not
Applicable.
Item
7. Identification and Classification of the Subsidiary Which Acquired
the Security Being Reported on by the Parent Holding Company.
Not
Applicable.
Item
8. Identification and Classification of Members of the
Group.
Not
Applicable.
Item
9. Notice of Dissolution of Group.
Not
Applicable.
Item
10. Certifications.
Not
Applicable.
(2) Based
on 14,174,326 shares of MicroFinancial Incorporated's Common Stock outstanding,
as reported in the Quarterly Report on Form 10-Q filed on November 16,
2009.
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CUSIP
No. 595072 1 09
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13G
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Page 5
of 5 Pages
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SIGNATURE
After reasonable inquiry
and to the best of my knowledge and belief, I
certify that the information set forth in this statement is
true, complete and correct.
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2/15/2010
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(Date)
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/s/ Torrence C. Harder
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(Signature)
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Torrence C. Harder
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(Name/Title)
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Attention.
Intentional misstatements or omissions of fact constitute federal criminal
violations (see 18 U.S.C. 1001).
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