About Us

Founded in 2006 Pinnacle Finance focuses exclusively on financing for the home improvement product market. Our management team has over 40 years of experience so we understand the challenges dealers face every day.

Executive Team

Scott Heritage – President

Scott founded Pinnacle Finance in 2006 and oversees all aspects of the business.  He has over 25 years of experience in the financial industry including investment banking and investment management.  Scott earned a Bachelor’s degree from The Ohio State University in Management Information Systems and Finance and a Master of Business Administration (MBA) from Case Western Reserve University.

Tom O’Rourke – Chief Operating Officer

Tom co-founded Pinnacle in 2006.  He has worked in all aspects of home improvement and financing for 30+ years.  From 1993 to 2004 he was the General Manager for Water Resources International retail water treatment division. Responsibilities included lead generation, telemarketing, sales, financing, installation, and customer service. From 2004 to 2022 he co-founded and worked as President of Valley Environmental Resources (VER), one of the largest and most profitable in-home water treatment sales companies in Phoenix, Arizona. VER was sold in 2022 with over 14,000 customers. He has a bachelor’s degree in Business Management and Marketing from The University of Akron.

Mission Statement

To provide home improvement dealers and contractors with the best financing option to help them grow their business. If our dealers and contractors succeed then we will too! For our end financing customers we promise to help you create the home of your dreams by providing a honest and hassle-free financing plan. For our associates we will strive to create a work environment that is based first on personal integrity. Nothing is more important than dealing honestly and fairly with our dealer/contractor and end financing customers.