ZOHO CRM for a mix B2C - B2B model

ZOHO CRM for a mix B2C - B2B model

We are working in the building renovation market.
Our customers are mostly individuals.
But we also have customers like Architechs, Contractors or  Neighbourhood Associations.
The standar account-contact model looks to work with us, becouse sometimes we consider the father as account, and his wife and some of the chidren as contacts.
Some times we have a contractor with various customers, so we have them all as account and we use the parent account field.
The problem we have is to convert a lead that is an idividual to an account, becouse we leave company name empty. We also want to inhibit the creation of the contact.
We are told that it is possible to do it with a small development.
Is it correct?
What can be best solution for us?
Thank you in advance.