diff --git a/mifosng-provider/src/main/java/org/mifosplatform/portfolio/client/service/ClientWritePlatformServiceJpaRepositoryImpl.java b/mifosng-provider/src/main/java/org/mifosplatform/portfolio/client/service/ClientWritePlatformServiceJpaRepositoryImpl.java
index b46d54bd4..01f0bd45c 100644
--- a/mifosng-provider/src/main/java/org/mifosplatform/portfolio/client/service/ClientWritePlatformServiceJpaRepositoryImpl.java
+++ b/mifosng-provider/src/main/java/org/mifosplatform/portfolio/client/service/ClientWritePlatformServiceJpaRepositoryImpl.java
@@ -356,6 +356,9 @@ public class ClientWritePlatformServiceJpaRepositoryImpl implements ClientWriteP
                     final String errorMessage = "The client closureDate cannot be before the loan closedOnDate.";
                     throw new InvalidClientStateTransitionException("close", "date.cannot.before.loan.closed.date", errorMessage,
                             closureDate, loan.getClosedOnDate());
+                } else if (loanStatus.isPendingApproval()) {
+                    final String errorMessage = "Client cannot be closed because of non-closed loans.";
+                    throw new InvalidClientStateTransitionException("close", "loan.non-closed", errorMessage);
                 }
             }
             List<SavingsAccount> clientSavingAccounts = this.savingsRepository.findSavingAccountByClientId(clientId);