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Top-ups in
Credit a client when money arrives, with a note so you both know what it was for.
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Costs out
Deduct what you spend on their behalf, line by line, so the balance always matches the work actually done.
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A warning in time
Give each client a floor. When a balance gets near it you hear about it while there is still time to say something, not after.
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Reports, then export
Balances, spend over time and a one-tap export for whoever keeps the books.
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The trail behind every line
What changed, when and by whom, so a question about a figure has an answer that is not a shrug.
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Locked, and yours
Passphrase login, approved devices and a second factor if you want it. Your copy, your file, nothing phoned home.