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07 54 300 900

Car Finance – Truck Finance – Equipment Finance

We believe organising finance should NOT be a stressful experience.

SMS Finance have an outstanding record and reputation in helping clients with their Vehicle and Equipment purchases through access to a comprehensive range of Equipment Finance products via a wide range of lenders.

Our team has a thorough understanding in all areas of Equipment Finance and are here to ensure your experience is a positive one. Whether it’s a car, truck, trailer, plant & equipment, mining machinery, farm machinery, office equipment/computer system, or a specialised piece of equipment, there are a range of financing options to suit you, these include:


Leasing allows you to obtain goods without a capital outlay and then upgrade them at the end of the lease period.
Leasing has GST implications, so check with your accountant or advisor first.

Novated lease

A Novated lease is a flexible, convenient way for a salary-packaged employee to lease a vehicle through their employer. After signing a Novation agreement, the employer makes lease payments on behalf of the employee. However, the employee remains responsible for the payments during and after employment has ceased. (There are tax implications relating to a Novated Lease, professional advice is recommended).


A Rental Operating Lease is ideal for items such as technology – based equipment which becomes quickly superseded and rapidly depreciates.

Hire purchase

A hire purchase is an agreement to purchase a vehicle or equipment subject to payment terms, which means you gain equity in the asset with each instalment made.

Chattel mortgage

A chattel mortgage involves a loan which gives your financier a Registered Charge over your asset, but gives you ownership of the asset from day one. We would recommend that you check with your accountant or adviser about which type of equipment finance would best suit your business needs.Our process of obtaining finance is made hassle free saving you time and effort. We will walk you through the whole deal ensuring the approval process runs smoothly. Your personal consultant and our friendly professional staff will always be available to answer any questions at any time. This care and attention also applies long after your loan settles, you can always talk to us.

Please call 07 54 300 900 or Email : with any enquiry or a no obligation Quote.

Make an Enquiry

Recent Awards
  • SMS Finance - 2016 QLD Broker Group of the Year
  • Colin Mason - 2016 QLD Broker of the Year
  • Colin Mason - Australia's Top 50 Elite Business Writers 2016
  • Colin Mason - 2016 MPA Top 100 Brokers
  • Colin Mason - Australia's Top 50 Elite Business Writers 2016
  • Top 15 Broker Group of The Year Award 2016 - QLD, NT & NTH NSW
  • 2016 Westpac Broker Business Excellence Awards
  • AFG Top 5 Mortgage Broker in QLD, NT & NTH NSW
  • John McNamara - QLD, NT & NTH NSW Best Broker in Commercial Business 2015/16
  • John McNamara - Commonwealth Bank Diamond Broker 2015
  • John McNamara - QLD Broker of the Year 2013/14 - 3rd Place
  • AFG Queensland Commercial Loan Writer of the Year 2013/2014 1st Place
  • AFG Queensland Broker of the Year 2013/2014 3rd Place
  • AFG Qld Commercial loan writer award 2012/2013 1st Place
  • John McNamara - ANZ Performance Excellence Award
  • AFG Qld loan writer of the year award 2012/2013 1st Place
  • AFG Qld Commercial writer award 2011/2012 1st Place
  • Commonwealth Bank's - number 1 broker in Queensland for business volume, Commercial finance and Equipment finance
  • Westpac's number 3 broker in Queensland for quality and service in Equipment finance
  • Capital Finance's number 1 broker in Queensland for quality and service in Equipment finance
  • ANZ Awarded to John McNamara In recognition of Performance Excellence 2013
  • John McNamara - 2nd Place QLD Loan Writer of The Year 2012/13
  • John McNamara - 1st Place QLD Commercial Writer Award 2011/12 & 2012/13
Contact Us

Maroochydore Office:
Suite 13 The Sebel
20 Aerodrome Rd
Maroochydore QLD 4558

Postal Address:
PO Box 56
Cotton Tree QLD 4558

Free Call 1800 002 311

Phone (07) 54 300 900
Fax (07) 54 300 999