Is there a good finance program that works with contractors in need financing for there sub prime clients

Is there a good finance program that works with contractors in need financing for there sub prime clients?
Iam a contractor in Houston Texas. I supply all types of services to the home owner such as roofing, flooring, HVAC, Brick etc.... I want to market a package deal to a certian demografic. But these clients dont have great credit for the conventional finacing but do have equity in there homes. I need a good working outlet for financing that is easy and wont screw any one.
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Other than banks, a possibility, I don't remember any though I used to use some old ones. Check at furniture stores. Just go in and ask about their financing. Just act as though you are thinking of purchasing. You'll get the info. Bear in mind that the ones they use offer a year or so with no interest. The catch is that if it is not paid in full to the penny in one year, interest is charged for the entire year. And legal. This should be spelled out to the customer, but "neglected" by many.