diff --git a/app/api/services/provide_loan.py b/app/api/services/provide_loan.py
index 6e39cfb..46dd4a8 100644
--- a/app/api/services/provide_loan.py
+++ b/app/api/services/provide_loan.py
@@ -42,6 +42,7 @@ class ProvideLoanService(BaseService):
                 offer_id = validated_data.get('offerId')
                 amount = validated_data.get("requestedAmount")
                 product_id = validated_data.get("productId")
+                channel = validated_data.get('channel')
 
                 customer = Customer.is_valid_customer(customer_id)
 
@@ -132,7 +133,7 @@ class ProvideLoanService(BaseService):
                         }), 400
 
                     db.session.flush()
-
+                    current_product_id = offer.product_id
                     schedule = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
 
 
@@ -156,7 +157,9 @@ class ProvideLoanService(BaseService):
                     return jsonify({
                             "message": "Invalid Customer or Account"
                         }), 400
-            
+
+                padded_loan_id = str(loan_id).zfill(9)
+                loanRef =  f"LID{padded_loan_id}{channel}{current_product_id}"
             
                 response_data = {
                     "requestId": request_id,
@@ -164,6 +167,7 @@ class ProvideLoanService(BaseService):
                     "customerId": customer_id,
                     "accountId": account_id,
                     "msisdn": customer.msisdn,
+                    "loanRef": loanRef,
                     "resultCode": "00",
                     "resultDescription": "Successful"
                     }
diff --git a/app/swagger/schemas/ProvideLoanResponse.json b/app/swagger/schemas/ProvideLoanResponse.json
index d7ddb3c..1da4cb2 100644
--- a/app/swagger/schemas/ProvideLoanResponse.json
+++ b/app/swagger/schemas/ProvideLoanResponse.json
@@ -9,6 +9,10 @@
             "type": "string",
             "example": "Tr201712RK9232P115"
         },
+        "loanRef": {
+            "type": "string",
+            "example": "1620029887USSDAMPC"
+        },
         "customerId": {
             "type": "string",
             "example": "CN621868"