diff --git a/app/integrations/simbrella.py b/app/integrations/simbrella.py
index b40f21c..920ea9f 100644
--- a/app/integrations/simbrella.py
+++ b/app/integrations/simbrella.py
@@ -1,6 +1,9 @@
 import requests
 from app.config import settings
+from app.helpers.response_helper import ResponseHelper
+from app.services.loan import LoanService
 from app.utils.auth import get_headers
+from app.utils.extras import preprocess_loan_charges_data
 from app.utils.logger import logger
 from flask import jsonify, current_app
 from app.services.transactions import TransactionService
@@ -26,21 +29,42 @@ class SimbrellaClient:
             logger.info(f"Transaction id: {data['transactionId']}, was not found")
             return 0
 
+        # Fetch the loan based on the transaction_id
+        logger.info(f"Fetching the loan with transaction ID: {data['transactionId']}")
+        loan = LoanService.get_loan_by_transaction_id(transaction_id=data['transactionId'])
+        logger.info(f"Response from database: {loan}")
+
+        # If loan is not found
+        if not loan:
+            logger.info(f"Could not find loan with transaction id: {data['transactionId']}")
+            return 0
+
+        loan_data = loan.to_dict()
+        logger.info(f"Here is your loan data: {loan_data}")
+
+        loan_charges = preprocess_loan_charges_data([loan_charge.to_dict() for loan_charge in loan.loan_charges])
+        logger.info(f"Here are your loan_charges: {loan_charges}")
+
+        mgt_fee = loan_charges.get("MGTFEE")['amount']
+
+        vat_fee = loan_charges.get("VAT")['amount']
+
         disbursement_data ={
             "requestId": data['requestId'],
             "transactionId": data['transactionId'],
-            "debtId": "273194670",
+            "debtId": loan_data['debtId'],
             "customerId": data['customerId'],
             "accountId": data['accountId'],
-            "productId": "101",
-            "provideAmount": 100000,
+            "productId": loan_data['productId'],
+            "provideAmount": loan_data['currentLoanAmount'],
             "collectAmountInterest": 5000,
-            "collectAmountMgtFee": 1000,
+            "collectAmountMgtFee": mgt_fee,
             "collectAmountInsurance": 1000,
-            "collectAmountVAT": 75,
+            "collectAmountVAT": vat_fee,
             "countryId": "01",
             "comment": "Loan Disbursement",
         }
+
         try:
             logger.info(f"Here is your Disbursement Request data ****** : {disbursement_data}")
             response = requests.post(api_url, json=disbursement_data, timeout=10, headers=get_headers())
@@ -48,10 +72,8 @@ class SimbrellaClient:
 
         except Exception as e:
             logger.info(f"Failed to call Disbursement endpoint: {e}")
-            #raise
             return 0
 
-        # return jsonify(response.json()), response.status_code
         return 1
 
     @staticmethod
@@ -99,10 +121,11 @@ class SimbrellaClient:
     def verify_transaction():
         try:
 
-            return {
+            data = {
                 "status": "00",
                 "message": "Transaction verified"
             }
+            return ResponseHelper.success(data, "Successful")
 
         except Exception as e:
             logger.info(f"Failed to call TransactionVerify endpoint: {e}")
@@ -114,7 +137,7 @@ class SimbrellaClient:
         try:
             logger.info(f"Here is your Disbursement Request data ***** : {data}")
 
-            return data
+            return ResponseHelper.success(data, "Successful")
 
         except Exception as e:
             logger.info(f"Failed to call Disbursement endpoint: {e}")
@@ -126,8 +149,31 @@ class SimbrellaClient:
         try:
             logger.info(f"Here is your Payment Callback Request data ***** : {data}")
 
-            return data
+            return ResponseHelper.success(data, "Successful")
 
         except Exception as e:
             logger.info(f"Failed to call Payment Callback endpoint: {e}")
+            raise
+
+    @staticmethod
+    def penal_charge(data):
+
+        api_url = f"{SimbrellaClient.BANK_CALL_BASE_URL}/PenalCharge"
+        logger.info(f"Calling Penal Charge endpoint with data: {data}")
+
+        try:
+            logger.info(f"Here is your Penal Charge Request data ***** : {data}")
+
+            try:
+                logger.info(f"Here is your Penal Charge Request data ****** : {data}")
+                response = requests.post(api_url, json=data, timeout=10, headers=get_headers())
+                logger.info(f"Penal Charge response: {response.json()}")
+                return ResponseHelper.success(response.json(), "Successful")
+
+            except Exception as e:
+                logger.info(f"Failed to call Penal Charge endpoint: {e}")
+                return ResponseHelper.error("An error occurred", 500)
+
+        except Exception as e:
+            logger.info(f"Failed to call Penal Charge endpoint: {e}")
             raise
\ No newline at end of file
diff --git a/app/models/__init__.py b/app/models/__init__.py
index 7621c0f..705f676 100644
--- a/app/models/__init__.py
+++ b/app/models/__init__.py
@@ -1,4 +1,8 @@
 from .transactions import Transaction
 from .repayment import Repayment
+from .loan import Loan
+from .loan_charge import LoanCharge
+from .customer import Customer
+from .account import Account
 
-__all__ = ['Transaction', 'Repayment']
\ No newline at end of file
+__all__ = ['Transaction', 'Repayment', 'Loan', 'LoanCharge', 'Customer', 'Account']
\ No newline at end of file
diff --git a/app/models/account.py b/app/models/account.py
new file mode 100644
index 0000000..7394b3a
--- /dev/null
+++ b/app/models/account.py
@@ -0,0 +1,25 @@
+from datetime import datetime, timezone
+from sqlalchemy.orm import relationship
+from app.extensions import db
+
+
+class Account(db.Model):
+    __tablename__ = 'accounts'
+
+    id = db.Column(db.String(50), primary_key=True)
+    customer_id = db.Column(db.String(50), nullable=False)
+    account_type = db.Column(db.String(50))
+    status = db.Column(db.String(20), default='active')
+    lien_amount = db.Column(db.Float, default=0.0)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    customer = relationship(
+        "Customer",
+        primaryjoin="Customer.id == Account.customer_id",
+        foreign_keys=[customer_id],
+        back_populates="accounts",
+    )
+
+    def __repr__(self):
+        return f'<Account {self.id}>'
diff --git a/app/models/customer.py b/app/models/customer.py
new file mode 100644
index 0000000..d5f2650
--- /dev/null
+++ b/app/models/customer.py
@@ -0,0 +1,41 @@
+from datetime import datetime, timezone
+from sqlalchemy.orm import relationship
+from app.extensions import db
+
+
+class Customer(db.Model):
+    __tablename__ = 'customers'
+
+    id = db.Column(db.String(50), primary_key=True)
+    msisdn = db.Column(db.String(20), unique=True, nullable=False)
+    country_code = db.Column(db.String(3), nullable=False)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    accounts = relationship(
+        "Account",
+        primaryjoin="Customer.id == Account.customer_id",
+        foreign_keys="Account.customer_id",
+        back_populates="customer",
+    )
+
+    loans = relationship(
+        "Loan",
+        primaryjoin="Customer.id == Loan.customer_id",
+        foreign_keys="Loan.customer_id",
+        back_populates="customer",
+    )
+
+    @classmethod
+    def get_customer(cls, customer_id):
+        """
+        Get customer by  ID.
+        """
+        customer = cls.query.filter_by(id=customer_id).first()
+
+        if not customer:
+            raise ValueError(f"Customer does not exist")
+        return customer
+
+    def __repr__(self):
+        return f'<Customer {self.id}>'
diff --git a/app/models/loan.py b/app/models/loan.py
new file mode 100644
index 0000000..277f383
--- /dev/null
+++ b/app/models/loan.py
@@ -0,0 +1,64 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+
+class Loan(db.Model):
+    __tablename__ = "loans"
+
+    id = db.Column(
+        db.Integer,
+        primary_key=True,
+        autoincrement=True,
+    )
+    customer_id = db.Column(db.String(50), nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=True)
+    account_id = db.Column(db.String(50), nullable=False)
+    offer_id = db.Column(db.String(20), nullable=False)
+    product_id = db.Column(db.String(20), nullable=True)
+    collection_type = db.Column(db.String(20), nullable=True)
+    current_loan_amount = db.Column(db.Float, nullable=True)
+    initial_loan_amount = db.Column(db.Float, nullable=False)
+    default_penalty_fee = db.Column(db.Float, default=0)
+    continuous_fee = db.Column(db.Float, default=0)
+    status = db.Column(db.String(20), default='pending')
+    due_date = db.Column(db.DateTime, nullable=True)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    customer = relationship(
+        "Customer",
+        primaryjoin="Customer.id == Loan.customer_id",
+        foreign_keys=[customer_id],
+        back_populates="loans",
+    )
+
+    loan_charges = relationship(
+        "LoanCharge",
+        primaryjoin="Loan.id == LoanCharge.loan_id",
+        foreign_keys="LoanCharge.loan_id",
+        back_populates="loan",
+    )
+
+    def __repr__(self):
+        return f"<Loan {self.id}>"
+
+    def to_dict(self):
+        """
+        Convert the Loan object to a dictionary format for JSON serialization.
+        """
+        return {
+            'debtId': self.id,
+            'initialLoanAmount': self.initial_loan_amount,
+            'currentLoanAmount': self.current_loan_amount,
+            'defaultPenaltyFee': self.default_penalty_fee,
+            'continuousFee': self.continuous_fee,
+            'collectionType': self.collection_type,
+            'status': self.status,
+            'productId': self.product_id,
+            'dueDate': self.due_date.isoformat() if self.due_date else None,
+            'loanDate': self.created_at.isoformat if self.created_at else None
+        }
+
+    @classmethod
+    def get_loan_by_transaction_id(cls, transaction_id):
+        return cls.query.filter_by(transaction_id=transaction_id).first()
\ No newline at end of file
diff --git a/app/models/loan_charge.py b/app/models/loan_charge.py
new file mode 100644
index 0000000..0a04789
--- /dev/null
+++ b/app/models/loan_charge.py
@@ -0,0 +1,49 @@
+from datetime import datetime, timezone, timedelta
+from os.path import devnull
+
+from app.extensions import db
+from sqlalchemy.orm import relationship
+
+class LoanCharge(db.Model):
+    __tablename__ = 'loan_charges'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    loan_id = db.Column(db.Integer, nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=True)
+    code = db.Column(db.String(50), nullable=False)
+    amount = db.Column(db.Float, default=0.0)
+    percent = db.Column(db.Float, default=0.0)
+    description = db.Column(db.Text, nullable=True)
+    due = db.Column(db.Integer, nullable=False)
+    due_date = db.Column(db.DateTime, nullable=True)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    loan = relationship(
+        "Loan",
+        primaryjoin="LoanCharge.loan_id == Loan.id",
+        foreign_keys=[loan_id],
+        back_populates="loan_charges",
+    )
+
+    def __repr__(self):
+        return f"<LoanCharge {self.id} - Loan {self.loan_id} - {self.code}>"
+
+    def to_dict(self):
+        """
+        Convert the Loan charge object to a dictionary format for JSON serialization.
+        """
+        return {
+            'id': self.id,
+            'loanId': self.loan_id,
+            'transactionId': self.transaction_id,
+            'code': self.code,
+            'amount': self.amount,
+            'percent': self.percent,
+            'description': self.description,
+            'due': self.due
+        }
+
+    @classmethod
+    def get_loan_charge_by_debt_id(cls, debt_id):
+        return cls.query.filter_by(loan_id=debt_id)
\ No newline at end of file
diff --git a/app/models/transactions.py b/app/models/transactions.py
index 17cb957..6edc91c 100644
--- a/app/models/transactions.py
+++ b/app/models/transactions.py
@@ -20,6 +20,19 @@ class Transaction(db.Model):
     def __repr__(self):
         return f'<Transaction {self.id}>'
 
+    def to_dict(self):
+        """
+        Convert the Transaction object to a dictionary format for JSON serialization.
+        """
+        return {
+            'id': self.id,
+            'transaction_id': self.transaction_id,
+            'account_id': self.account_id,
+            'customer_id': self.customer_id,
+            'type': self.type,
+            'channel': self.channel,
+        }
+
     @classmethod
     def get_transaction_by_transaction_id(cls, transaction_id):
         return cls.query.filter_by(transaction_id=transaction_id).first()
\ No newline at end of file
diff --git a/app/routes/authentication.py b/app/routes/authentication.py
index 20cf323..cce54b5 100644
--- a/app/routes/authentication.py
+++ b/app/routes/authentication.py
@@ -15,7 +15,7 @@ def health():
 
 @auth_bp.route("/login", methods=["POST"])
 def login():
-    data = request.json
+    data = request.get_json()
     api_url = f"{BASE_URL}/login"
 
     response = requests.post(api_url, json=data)
@@ -26,7 +26,7 @@ def login():
 
 @auth_bp.route("/status-call", methods=["POST"])
 def status_call():
-    data = request.json
+    data = request.get_json()
     api_url = f"{BASE_URL}/StatusCall"
 
     # response = requests.post(api_url, json=data, headers=get_headers())
@@ -49,7 +49,7 @@ def status_call():
 
 @auth_bp.route("/sms", methods=["POST"])
 def sms():
-    data = request.json
+    data = request.get_json()
     api_url = f"{BASE_URL}/SMS"
 
     # response = requests.post(api_url, json=data, headers=get_headers())
@@ -66,7 +66,7 @@ def sms():
 
 @auth_bp.route("/bulk-sms", methods=["POST"])
 def bulk_sms():
-    data = request.json
+    data = request.get_json()
     api_url = f"{BASE_URL}/BulkSMS"
 
     # response = requests.post(api_url, json=data, headers=get_headers())
diff --git a/app/routes/autocall.py b/app/routes/autocall.py
index cc3036e..230cd4e 100644
--- a/app/routes/autocall.py
+++ b/app/routes/autocall.py
@@ -1,6 +1,7 @@
 from flask import Blueprint, request, jsonify, current_app
 import requests
 from app.config import settings
+from app.helpers.response_helper import ResponseHelper
 from app.utils.auth import get_headers
 from app.utils.logger import logger
 from app.integrations.simbrella import SimbrellaClient
@@ -14,7 +15,7 @@ def verify_transaction():
 
     response = SimbrellaClient.verify_transaction()
 
-    return jsonify(response), 200
+    return response
 
 @autocall_bp.route("/refresh-disbursement", methods=["GET"])
 def disbursement():
@@ -23,14 +24,23 @@ def disbursement():
 
     response = SimbrellaClient.verify_transaction()
 
-    return jsonify(response), 200
+    return response
 
 
 @autocall_bp.route("/payment-callback", methods=["POST"])
 def payment_callback():
-    data = request.json()
+    data = request.get_json()
     logger.info(f"Calling Callback Components")
 
     response = SimbrellaClient.payment_callback(data)
 
-    return jsonify(response), 200
\ No newline at end of file
+    return response
+
+@autocall_bp.route("/penal-charge", methods=["POST"])
+def penal_charge():
+    data = request.get_json()
+    logger.info(f"Calling Penal Charge Endpoints")
+
+    response = SimbrellaClient.penal_charge(data[0])
+
+    return response
\ No newline at end of file
diff --git a/app/services/loan.py b/app/services/loan.py
new file mode 100644
index 0000000..b86067b
--- /dev/null
+++ b/app/services/loan.py
@@ -0,0 +1,17 @@
+from app.models import Loan, LoanCharge
+
+class LoanService:
+
+    @classmethod
+    def get_loan_by_transaction_id(cls, transaction_id):
+        """
+        Get the loan by transaction ID
+        """
+        return Loan.get_loan_by_transaction_id(transaction_id)
+
+    @classmethod
+    def get_loan_charge_by_debt_id(cls, debt_id):
+        """
+        Get the loan charge by debt ID
+        """
+        return LoanCharge.get_loan_charge_by_debt_id(debt_id)
\ No newline at end of file
diff --git a/app/utils/extras.py b/app/utils/extras.py
new file mode 100644
index 0000000..effc889
--- /dev/null
+++ b/app/utils/extras.py
@@ -0,0 +1,16 @@
+def preprocess_loan_charges_data(data):
+    """
+       Preprocesses the data into a dictionary for efficient lookups by 'code'.
+
+       Args:
+           data: A list of dictionaries.
+
+       Returns:
+           A dictionary where keys are 'code' values and values are the corresponding dictionaries from the input data.
+           If multiple items have the same code, the last one encountered will be stored.
+    """
+    preprocessed = {}
+    for item in data:
+        if 'code' in item:
+            preprocessed[item['code']] = item
+    return preprocessed
\ No newline at end of file
diff --git a/openapi.yml b/openapi.yml
index c4bc462..761fbe2 100644
--- a/openapi.yml
+++ b/openapi.yml
@@ -113,6 +113,48 @@ paths:
   /autocall/payment-callback:
     get:
       summary: The Payment callback
+      responses:
+        200:
+          description: A successful response
+  /autocall/penal-charge:
+    post:
+      summary: Penal Charge Request
+      requestBody:
+        required: true
+        content:
+          application/json:
+            schema:
+              type: array
+              items:
+                type: object
+                properties:
+                  transactionId:
+                    type: string
+                    example: "T004"
+                  fbnTransactionId:
+                    type: string
+                    example: "Tr201712RK9232P115"
+                  debtId:
+                    type: string
+                    example: "273194670"
+                  customerId:
+                    type: string
+                    example: "CN621868"
+                  accountId:
+                    type: string
+                    example: "2017821799"
+                  penalCharge:
+                    type: number
+                    example: "1.2"
+                  lienAmount:
+                    type: number
+                    example: "101.2"
+                  countryId:
+                    type: string
+                    example: "01"
+                  comment:
+                    type: string
+                    example: "Testing PenalCharge"
       responses:
         200:
           description: A successful response
\ No newline at end of file