diff --git a/tools/fin/submit_loan_application.py b/tools/fin/submit_loan_application.py
new file mode 100644
index 0000000..4aa1e83
--- /dev/null
+++ b/tools/fin/submit_loan_application.py
@@ -0,0 +1,94 @@
+from datetime import timedelta
+import os
+from pathlib import Path
+import json
+from temporalio.client import Client, WorkflowHandle
+from dataclasses import dataclass
+from typing import Optional
+import asyncio
+from temporalio.exceptions import WorkflowAlreadyStartedError
+from shared.config import get_temporal_client
+
+
+# Define data structures to match the Java workflow's expected input/output
+# see https://github.com/temporal-sa/temporal-latency-optimization-scenarios for more details
+@dataclass
+class TransactionRequest:
+    amount: float
+    account_id: str
+
+@dataclass
+class TxResult:
+    transaction_id: str
+    message: str
+
+#demonstrate starting a workflow and early return pattern while the workflow continues
+async def submit_loan_application(args: dict) -> dict:
+    account_key = args.get("accountkey")
+    amount = args.get("amount")
+
+    loan_status: dict = await start_workflow(amount=amount,account_name=account_key)
+
+    return {'status': loan_status.get("loan_status"), 'detailed_status': loan_status.get("results"), 'next_step': loan_status.get("advisement"), 'confirmation_id': loan_status.get("workflowID")}  
+    
+
+# Async function to start workflow
+async def start_workflow(amount: str, account_name: str, )-> dict:
+ 
+    # Connect to Temporal 
+    client = await get_temporal_client()
+    start_real_workflow = os.getenv("FIN_START_REAL_WORKFLOW")
+    if start_real_workflow is not None and start_real_workflow.lower() == "false":
+        START_REAL_WORKFLOW = False
+    else:
+        START_REAL_WORKFLOW = True
+    
+    if START_REAL_WORKFLOW:
+
+        # Define the workflow ID and task queue
+        workflow_id = "APPLICATION-"+account_name
+        task_queue = "LatencyOptimizationTEST"
+
+        # Create a TransactionRequest (matching the Java workflow's expected input)
+        tx_request = TransactionRequest(
+            amount=float(amount),
+            account_id=account_name
+        )
+
+        #try:
+        # Use update-with-start to start the workflow and call the update method
+        handle: WorkflowHandle = await client.start_workflow(
+            "TransactionWorkflowLocalBeforeUpdate.processTransaction",  # Workflow name
+            tx_request,  # Input to the processTransaction method
+            id=workflow_id,
+            task_queue=task_queue,
+            execution_timeout=timedelta(minutes=5),
+            # Specify the update to call immediately after starting
+            update="returnInitResult",
+            update_args=[]  # No arguments needed for returnInitResult
+        )
+
+        # Wait for the update result (returnInitResult)
+        update_result = await handle.result_of_update("returnInitResult")
+        
+        # Since the result is a RawValue, we need to deserialize it
+        # For simplicity, assuming the result is TxResult (adjust based on actual serialization)
+        #result_dict = update_result.payloads[0].decode()  # Simplified; use proper deserialization
+        tx_result = TxResult(
+            transaction_id=result_dict.get("transaction_id", ""),
+            message=result_dict.get("message", "")
+        )
+
+        print(f"Update result: Transaction ID = {tx_result.transaction_id}, Message = {tx_result.message}")
+
+        # Optionally, wait for the workflow to complete and get the final result
+        # final_result = await handle.result()
+        # print(f"Workflow completed with result: {final_result}")
+
+        #except Exception as e:
+        #    print(f"Error executing workflow: {e}")
+
+
+    # return {'status': loan_status.get("loan_status"), 'detailed_status': loan_status.get("results"), 'next_step': loan_status.get("advisement"), 'confirmation_id': loan_status.get("workflowID")}  
+    return {'status': "status", 'detailed_status': "loan application is submitted and initial validation is complete",'confirmation id': "11358", 'next_step': "You'll receive a confirmation for final approval in three business days", }  
+    
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