Glad to hear your not opening up on my patch Only kidding lol. We are due to open our new pitch in this field in less than 2 weeks time.
IMO near / sub prime is the future, there is lots of lenders out there offering finance, and there is no trying to smartly price your vehicles to compete with the dealer next door or AT. If you work it right it can work very well. fellow traders I know have moved into this field in the last few years and its changed there lives.
Lots of fellow traders recommend First response, well worth having on your lending panel. I myself intend to sign up with them this week all being well.
Good luck, and keep in touch with the forum, there are some great guys on here with lots of experience and wisdom.