Im startin a heating company and want to offer credit to my customers to make it affordable. Is there a way?

Speak to a consumer finance specialist such as Lombard, Hitachi Capital or BNP Paribas. They offer schemes whereby they credit check your customers and the credit agreement is with them. According to the agreement you either pay the fees (for instance if you are offering a 'Buy Now Pay Later' or 'Interest free Credit' deal to your customers, or they could even pay you an introduction fee if the credit provided to the end-customer is interest bearing.