diff --git a/app/api/services/provide_loan.py b/app/api/services/provide_loan.py
index 9f8abfd..31eefba 100644
--- a/app/api/services/provide_loan.py
+++ b/app/api/services/provide_loan.py
@@ -155,10 +155,14 @@ class ProvideLoanService(BaseService):
                 else: 
                     return ResponseHelper.error(result_description="Invalid Customer or Account")
             
+                padded_id = str(transaction_id).zfill(12)
+                loanref = f"{padded_id}{channel}{offer.product_id}"
+
             
                 response_data = {
                     "requestId": request_id,
                     "transactionId": transaction_id,
+                    "loanRef": loanref,
                     "customerId": customer_id,
                     "accountId": account_id,
                     "msisdn": customer.msisdn