Company History

SMS Finance is a Maroochydore Queensland based Finance Consultancy business which was originally established in 1982. The business had operated from the same premises since that date until March 2010 when the business was moved to new premises located on the ground floor of the Sebel Building in Maroochydore. SMS Finance handles all forms of finance for our clients, primarily specialising in:

  • Home Loans
  • Motor Vehicle & Truck Finance
  • Equipment Finance
  • Business Loans
  • Commercial Property Loan
  • Insurance Premium Funding
  • Self-Managed Super Fund Loans (SMSF)


SMS Finance 2 Pty Ltd trading as SMS Finance offers clients expert advice and a One-Stop-Shop for all finance requirements, with anything from a ten thousand second hand motor vehicle to a Multi-Million-dollar commercial development.

Company directors are John McNamara, Brenden Brial, Joshua Carleton and Jonathon Scaroni.

SMS Finance previously Stone McNamara Finance originally Stone Goddard & Associates.

A brief history of directors and the business is listed below.

John McNamara has over 30 years’ experience in the finance industry. He commenced his career with the Commonwealth Bank and the Bank’s finance company CBFC Limited, in June 1981. During his time with the Commonwealth Bank he had several postings and worked in every area of CBFC Limited, in particular held the following positions:

  • Manager Broker Finance
  • Manager CBFC Fleet Lease & Manager CBFC Floor Plan Section.

In September 1994 John moved to the Sunshine Coast to take up the position of Area Manager for CBFC Limited where he was required to source new equipment finance business. In October 2000, after 7 years with CBFC Limited on the Sunshine Coast, John moved to the Commonwealth Bank Business Banking Centre in Maroochydore as a Relationship Executive to manage larger portfolio clients.

John resigned in August 2001 to take the opportunity of purchasing a 50% share from David Stone, and thus forming Stone McNamara Finance which was subsequently changed to SMS Finance.

In July 2008 John took over the reins of 100% ownership in the company allowing David to slow down a bit into a semi-retired/consultancy role. John has expertise in all areas of Mortgage & Equipment Finance.

John is a well-respected member of the community and active in a number of community activities on the Sunshine Coast, in particular John is a Long Service Member of Mooloolaba SLSC where he actively competes in surf boat competition. John is married to Stacy and they have 4 children who are actively involved with junior sport across the coast and Mooloolaba nippers.

In February 2016 John took on a new 50% partner in the business joining forces with Colin Mason, Colin came to SMS Finance with over 15 years experience in the Banking/Finance industry. After Four and a half years with SMS Finance Colin decided to take a break from finance and resigned in September 2020.

March 2019, SMS Finance took on two more partners Brenden Brial and Joshua Carleton forming SMS FINANCE 2 PTY LTD. In August 2021 the company took on another partner, Jonathon Scaroni.

Brenden Brial has been in the Banking and Finance Industry for over 30 years. After commencing with BOQ corporate in 1988 and holding several Branch manager roles in Brisbane and the Sunshine Coast, Brenden opened his own BOQ franchise in Mooloolaba in 2002.

For 17 years Brenden owned and operated a full-service bank and during this time also owned Chancellor Park, was a partner in the Maroochydore Branch and also operated a Lending Centre for several years. Brenden joined SMS Finance as a partner in April 2019 and brings extensive experience in all forms of lending including Home Loans, Commercial and Business Finance and Equipment Finance.

Diploma of Finance and Mortgage Broking Management
Bachelor of Commerce (Banking & Finance).

September 2020 Colin Mason decided to take a break away from Mortgage Broking, a role he had dedicated 17 tyears of hard work to. The break was needed to recharge and focus on health and family. February 2021 Colin decided not to return to Mortgage Broking opting to venture into Corporate  Business Coaching.

Joshua Carleton joined SMS Finance in 2016 bringing with him a wealth of experience in the finance arena. Josh commenced his finance career in 2012 with ANZ Bank after completing his university studies. Quickly moving up the ranks to become a local Branch Manager on the Sunshine Coast, he then accepted a position of Mortgage Broker in 2015 with Aussie Homes where he excelled in all areas of Mortgage Finance.

Josh is a dynamic member of our organisation and brings with him an impressive list of experience, education and achievements.

Bachelor of Business (Management and Marketing), University of the Sunshine Coast 2011
FSR Tier 2 Qualification
Diploma of Financial Planning (RG146)
Diploma of Finance and Mortgage Broking Management
Finalist for the MFAA 2016 Young Professional of the Year
Award Awarded Aussie Home Loans #1 Broker in QLD for 3 quarters of the 2016 financial year
Awarded Aussie Home Loans #1 Broker in Australia for 2 quarters of the 2016 financial year Semi-finalist 2010 Business Icon Competition
Best Networker 2010 Business Icon Competition

Johnthon Scaroni pursued a career in Finance after graduating from his Bachelor of Business, working as a Personal Banker for the ANZ Bank for several years, he then joined SMS Finance in 2017. Jonno is extremely motivated and passionate about finding solutions for his clients and enjoys working with a wide array of people. Jonno prides himself on the broad range of options he can offer his clients always keeping up to date with the various products and the many different lending options available from a broad range of lenders.



The Company

SMS Finance holds accreditation with most major financiers and in recent times the majority of our business has been accepted by Commonwealth Bank, Westpac Banking Corporation, ANZ Bank, National Australia Bank, Bankwest and Suncorp.

Over the past 20 years, our sphere of operation has penetrated as far as the Western Darling Downs, South Burnett and the Central Highlands. Accordingly, a large percentage of our Equipment Finance business involves trucks, trailers, earthmoving equipment, mining machinery, sawmill plant and farm machinery.

On the Sunshine Coast, we negotiate all types of finance for basically any worthwhile purpose. In Mortgage lending, we arrange Home Loans, Self-Managed Super Fund Loans and Business Loans at competitive rates.

In Equipment finance agreements include Lease, Chattel Mortgage, Hire Purchase and Rental Contracts with goods including office equipment, vehicles, plant and equipment, computers, trucks, earthmoving equipment, farm machinery and fishing vessels. We charge no fee for this service as we are paid directly by the lending institution.

SMS Finance takes pride in the presentation of all applications, regardless of size, and enjoys repeat business from a loyal clientele which now represents approximately 80% of business written. All customer files are maintained in a modern computer system and confidentiality is assured.


We are seeking a chance to quote on any finance requirements that you may have. We guarantee we will treat every request in a professional, speedy and no fuss manner.

Our aim is to develop a personal service with our clients to ensure they are always satisfied with SMS Finance.

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