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SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

SCHEDULE 13G/A

Under the Securities Exchange Act of 1934

(Amendment No.  14)

(Name of Issuer)

(Title of Class of Securities)

(CUSIP Number)

(Date of Event Which Requires Filing of this Statement)

Check the  appropriate  box to  designate  the rule  pursuant to which this Schedule is filed:

¨

Rule 13d-1(b)

¨

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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1.	NAME OF  REPORTING  PERSONS

2.	CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (SEE INSTRUCTIONS)

(a)  ¨ (b)  ¨

 

3.	SEC USE ONLY

4.	CITIZENSHIP OR PLACE OF ORGANIZATION

9.	AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

10.	CHECK IF THE AGGREGATE  AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES ¨ (SEE INSTRUCTIONS)

11.	PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)

12.	TYPE OF REPORTING PERSON (SEE INSTRUCTIONS)

(1)  Based on 14,435,498 shares of MicroFinancial Incorporated's Common Stock outstanding, as reported in the Quarterly Report on Form 10-Q filed on November 14, 2013.

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Item 1(a).

Name of Issuer:

Item 1(b).

Address of Issuer's Principal Executive Offices:

Item 2(a).

Name of Person Filing:

Item 2(b).

Address of Principal Business Office, or if None, Residence:

Item 2(c).

Citizenship:

Item 2(d).

Title of Class of Securities:

Item 2(e).

CUSIP Number:

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)  ¨  Broker or dealer registered under Section 15 of the Exchange Act.

(b)  ¨  Bank as defined in Section 3(a)(6) of the Exchange Act.

(c)  ¨  Insurance  company as defined in Section 3(a)(19) of the Exchange Act.

(d)  ¨  Investment  company  registered under Section 8 of the Investment Company Act.

(e)  ¨  An investment adviser in accordance with Rule 13d-1(b)(1)(ii)(E);

(f)  ¨  An employee  benefit plan or endowment  fund in  accordance  with Rule 13d-1(b)(1)(ii)(F).

(g)  ¨  A parent  holding  company or control  person in accordance  with Rule 13d-1(b)(1)(ii)(G).

(h)  ¨  A savings  association  as defined in Section 3(b) of the Federal Deposit Insurance Act.

(i)  ¨  A church  plan that is  excluded  from the  definition  of an investment  company  under  Section  3(c)(14)  of the  Investment Company Act.

(j)  ¨  Group, in accordance with Rule 13d-1(b)(1)(ii)(J).

Not Applicable.

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Item 4.

Ownership.

(a)	Amount beneficially owned:    1,638,834

Of such 1,638,834 shares of Common Stock, as of December 31, 2013, (i) the reporting  person was the direct  beneficial  owner of 715,423 shares of Common Stock;  (ii) the  reporting  person was the indirect  beneficial  owner of 123,683 shares of Common Stock  beneficially  owned by the Lauren Elizabeth Harder Trust, of which the reporting  person's  daughter 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 was the indirect beneficial owner of 123,683 shares of Common Stock beneficially owned by the Ashley Jane Harder Trust, of which the reporting person's  daughter is the sole  beneficiary  and over which shares the  reporting  person retains sole voting and  investment  power as the sole trustee of such Trust; (iv) the reporting person was the indirect beneficial owner of 400,000 shares of Common Stock directly held by a limited liability company of which the reporting person is managing member, and the other members of which are trusts for the benefit of family members of the reporting person; and (v) the reporting person was 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 11.4%

(c)

Number of shares as to which such person has:

(i)

Sole power to vote or to direct the vote:      1,362,789

(ii)

Shared power to vote or to direct the vote:    276,045

(iii)

Sole power to dispose or to direct the disposition of:      1,362,789

(iv)

Shared power to dispose or to direct the disposition of:      276,045

Item 5.

Ownership of Five Percent or Less of a Class.

Item 6.

Ownership of More Than Five Percent on Behalf of Another Person.

Item 7.

Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company.

Item 8.

Identification and Classification of Members of the Group.

Item 9.

Notice of Dissolution of Group.

Item 10.

Certifications.

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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.

Attention. Intentional misstatements or omissions of fact constitute federal criminal violations (see 18 U.S.C. 1001).

 

 

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