Welcome to the Community, @userkellie.
In QuickBooks Online (QBO), you can still make a credit memo to the sub-customer even if there's no invoice yet. You can then apply it later on to the invoice once created.
Here's how:
- In QBO, go to the + New option at the upper left to make a Credit Memo.
- Choose the sub customer's name, then enter the other necessary information in the desired fields.
- Hit Save and close to complete.
Once the invoice is created, here's how to apply the credit memo:
- Go back to the + New option and select Receive payment.
- Choose the sub customer's name, then enter the other necessary information in the desired fields.
- Select Save and close.
You also have the option to automatically apply credit memos to invoices. To learn more about this, I suggest checking out this article: Create and apply credit memos or delayed credits in QuickBooks Online.
Feel free to leave a comment below. I'm always here if you have further questions. Have an amazing rest of the day!