diff --git a/app/api/services/provide_loan.py b/app/api/services/provide_loan.py
index a882bd1..2c93225 100644
--- a/app/api/services/provide_loan.py
+++ b/app/api/services/provide_loan.py
@@ -18,6 +18,7 @@ from app.api.integrations import EventServiceIntegration
 from app.models import LoanRepaymentSchedule 
 from app.api.services.offer_analysis import OfferAnalysis
 from app.api.helpers.response_helper import ResponseHelper
+from datetime import datetime
 
 class ProvideLoanService(BaseService):
     TRANSACTION_TYPE = TransactionType.PROVIDE_LOAN 
@@ -113,9 +114,12 @@ class ProvideLoanService(BaseService):
                     management = charges["management"]
                     insurance = charges["insurance"]
                     vat = charges["vat"]
+
+                    # Generate Loan Reference
+                    loan_ref = f"SIM{datetime.now().strftime('%Y%m%d%H%M%S%f')}"
                     
-                    padded_id = str(transaction_id).zfill(12)
-                    loan_ref = f"{padded_id}{channel}{offer.product_id}"
+                    # padded_id = str(transaction_id).zfill(12)
+                    # loan_ref = f"{padded_id}{channel}{offer.product_id}"
 
 
                     # Save the loan details