How can I efficiently track credit and debit accounts for a golf pro shop?

I also have another question in regards to credit/debit accounts.

As a bit of a back story, we are a golf professional shop which has historically run a members accounts service. The main reason for the account is so that any competition winnings can be paid in to the account and on the odd occasion when they need something and don’t have a means of payment we allow them to put product on their account to pay later which aids us with stock management. Our old system would allow us to set a limit on the amount of debit someone can go into and then allow us to send them a bill for the outstanding amount at the end of the month.

Currently we are having to create draft orders to keep a track of anything that is taken without payment and we are using Rise to keep track of peoples credit. Just as we think we are finding a solution we run into another issue which means this is not the ideal answer for our needs. Does anyone know of any apps we may be able to add which offer a solution to what we need? In short, I need it to keep a track of money that we are given as credit and any products that are taken without payment.