diff --git a/app/api/routes/routes.py b/app/api/routes/routes.py
index 2bf06c5..a18a62a 100644
--- a/app/api/routes/routes.py
+++ b/app/api/routes/routes.py
@@ -42,10 +42,10 @@ def swagger_json():
     return send_from_directory(swagger_dir, "digifi_swagger.json")
 
 
-# @api.route("/swagger/<path:filename>")
-# def serve_paths(filename):
-#     swagger_dir = os.path.join("swagger")
-#     return send_from_directory(swagger_dir, filename)
+@api.route("/swagger/<path:filename>")
+def serve_paths(filename):
+    swagger_dir = os.path.join("swagger")
+    return send_from_directory(swagger_dir, filename)
 
 
 # EligibilityCheck Endpoint
diff --git a/app/api/services/provide_loan.py b/app/api/services/provide_loan.py
index 86c0fe7..2a4615f 100644
--- a/app/api/services/provide_loan.py
+++ b/app/api/services/provide_loan.py
@@ -17,6 +17,7 @@ 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, timezone, timedelta
 
 class ProvideLoanService(BaseService):
     TRANSACTION_TYPE = TransactionType.PROVIDE_LOAN 
@@ -162,16 +163,14 @@ class ProvideLoanService(BaseService):
                 else: 
                     return ResponseHelper.error(result_description="Invalid Customer or Account")
             
-                charge_schedule_items = []
-                for idx, charge in enumerate(loan_charges, start=len(charge_schedule_items) + 1):
-                    charge_schedule_items.append({
-                        "id": idx,
-                        "dueDate": charge.due_date.isoformat(),
-                        "amountDue": float(charge.amount),
-                        "componentName": charge.code.upper(),  # e.g. INTEREST, MGMT_FEE, VAT_FEE
-                        "startDate": charge.created_at.isoformat(),
-                    })
-            
+
+                charge_schedule_items = ProvideLoanService.get_charge_schedule_items(
+                    loan_charges=loan_charges,
+                    offer=offer,
+                    loan_ref=loan_ref,
+                    amount=amount
+                    )
+               
                 response_data = {
                     "requestId": request_id,
                     "transactionId": transaction_id,
@@ -215,4 +214,35 @@ class ProvideLoanService(BaseService):
         response = EventServiceIntegration.direct_loan(transaction_id=transaction_id)
         return response
     
-    
+    @classmethod
+    def get_charge_schedule_items(cls, loan_charges, offer, loan_ref, amount):
+        now = datetime.now(timezone.utc)
+        due_date = now + timedelta(days=offer.tenor)
+
+        charge_schedule_items = []
+        
+        charge_schedule_items.append({
+                "id": 1,
+                "dueDate": due_date.isoformat(),
+                "amountDue": amount,
+                "componentName": "PRINCIPAL",
+                "startDate": now.isoformat(),
+        })
+        
+        for idx, charge in enumerate(loan_charges, start=len(charge_schedule_items) + 1):
+            item = {
+                "id": idx,
+                "dueDate": charge.due_date.isoformat(),
+                "amountDue": float(charge.amount),
+                "componentName": charge.code.upper(),  # e.g. INTEREST, MGMT_FEE, VAT_FEE
+                "startDate": charge.created_at.isoformat(),
+            }
+
+            if charge.code.upper() == "INTEREST":
+                item["loanRef"] = loan_ref
+
+            charge_schedule_items.append(item)
+
+        return charge_schedule_items
+
+
diff --git a/app/swagger/schemas/ProvideLoanResponse.json b/app/swagger/schemas/ProvideLoanResponse.json
index c4c688e..c9891fe 100644
--- a/app/swagger/schemas/ProvideLoanResponse.json
+++ b/app/swagger/schemas/ProvideLoanResponse.json
@@ -25,6 +25,41 @@
       "type": "string",
       "example": "98016510058"
     },
+    "schedule": {
+      "type": "array",
+      "description": "List of loan repayment components with due dates and amounts.",
+      "items": {
+        "type": "object",
+        "properties": {
+          "id": {
+            "type": "integer",
+            "example": 1
+          },
+          "amountDue": {
+            "type": "number",
+            "example": 2000.0
+          },
+          "componentName": {
+            "type": "string",
+            "example": "INTEREST"
+          },
+          "dueDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2026-01-13T11:36:39.890747+00:00"
+          },
+          "startDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2025-10-15T11:36:39.890747+00:00"
+          },
+          "loanRef": {
+            "type": "string",
+            "example": "TRX1760528156816285USSD3MPC"
+          }
+        }
+      }
+    },
     "resultCode": {
       "type": "string",
       "example": "00"