Cashing out store credit balance

Our repair shop has a retail front end. We often have clients and customers with extra store credit.
It would be extremally helpful to have a way to cash out store credit.
Right now, to get rid of store credit without deleting the payment, we have to create a new invoice, apply a charge on the invoice for the amount of the credit, make a payment to the invoice with the credit, then refund the invoice.
We have been hoping for a way to either have a “Refund” or “Cash out” option directly related to the store credit balance.
Does anyone else encounter this issue or have another workaround?