diff --git a/app/models/loan.py b/app/models/loan.py
index ac42b43..9c8345c 100644
--- a/app/models/loan.py
+++ b/app/models/loan.py
@@ -146,6 +146,9 @@ class Loan(db.Model):
         loan = cls.query.filter_by( customer_id = customer_id).first()
         logger.info(f" Active Loan ==>>>> RESULT************************ AMEYE")
         if not loan:
+            
+            return None
+
             loan = {
                 "eligible_amount": 0,
                 "loan_amount": 0,