Need recommendations for a custom B2B workflow

Need recommendations for a custom B2B workflow

Summary
I want recommendations about setting up a custom B2B workflow in Zoho. We're a B2B business with non-standard billing needs. 

Our customers often purchase multiple service packages from us, so there is a 1 to many relationship. For example, Customer 1 purchased Service A and Service B. Both services have different renewal dates and are independent of one another. 

Requirements
In short, our primary challenge is tracking customer renewals. Here are our requirements:
  1. Create opportunity and connect it to a service list (annual contract, flat fee, i.e. $7,000) 
    1. Opportunity value and service offering must match
    2. Automatically create an invoice X days before service start date (custom field)
  2. Mark opportunity as "won" based on manual trigger or automated trigger (invoice marked as paid in Zoho invoices)
  3. Automatically create a renewal opportunity in the following year based on opportunity stage (i.e., won) in the current year. In other words, if we mark the opportunity as "won" we want to generate another opportunity one year in the future 
    1. Example: Initial opportunity is tied to service delivery from 1/1/2022-12/31/2022, we want to create a renewal opportunity with services starting on 1/1/2023
Additionally, our customers typically pay via ACH or check, so automated billing via credit card is NOT a requirement. 

Recommendations
I've explored Zoho CRM, Bigin, Invoice, and Subscriptions, but I haven't been able to replicate our existing workflow or meet the above requirements. I'm open to suggestions and would love a recommendation from the community.