UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): April 22, 2004 MARLIN BUSINESS SERVICES CORP. (Exact Name of Registrant Specified in Charter) Pennsylvania 000-50448 38-3686388 (State or Other (Commission File (I.R.S. Employer Jurisdiction of Number) Identification No.) Incorporation) 124 Gaither Drive, Suite 170 Mount Laurel, NJ 08054 (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code: (888) 479-9111 Not Applicable (Former Name or Former Address, if Changed Since Last Report) Item 12. Results of Operations and Financial Condition The Registrant issued a press release on April 22, 2004, announcing its results of operations for the first quarter ended March 31, 2004. A copy of the press release is being furnished as Exhibit 99.1 to this report. The information in this Current Report is being furnished and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document filed with the Securities and Exchange Commission. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. MARLIN BUSINESS SERVICES CORP. Date: April 22, 2004 By: /s/ Daniel P. Dyer ----------------------------------- Name: Daniel P. Dyer Title: Chief Executive Officer INDEX TO EXHIBITS 99.1 Press Release issued by Marlin Business Services Corp. on April 22, 2004.