diff --git a/libs/config/src/data-providers.ts b/libs/config/src/data-providers.ts
index ada5071..26df731 100644
--- a/libs/config/src/data-providers.ts
+++ b/libs/config/src/data-providers.ts
@@ -1,7 +1,7 @@
 /**
  * Data provider configurations for market data
  */
-import { getEnvVar, validateConfig } from './core';
+import { getEnvVar, validateConfig, createConfigLoader } from './core';
 import { dataProvidersConfigSchema, DataProvidersConfig, DataProviderConfig } from './types';
 
 /**
@@ -67,6 +67,18 @@ export function loadDataProviderConfigs(): DataProvidersConfig {
   return validateConfig(config, dataProvidersConfigSchema);
 }
 
+/**
+ * Creates a dynamic configuration loader for data providers
+ */
+export const createDataProvidersConfig = createConfigLoader<DataProvidersConfig>(
+  'data-providers',
+  dataProvidersConfigSchema,
+  {
+    providers: defaultDataProviders,
+    defaultProvider: 'alpaca'
+  }
+);
+
 /**
  * Singleton data provider configurations
  */
diff --git a/libs/config/src/database.ts b/libs/config/src/database.ts
index 8a45ad0..cba2e4d 100644
--- a/libs/config/src/database.ts
+++ b/libs/config/src/database.ts
@@ -2,7 +2,7 @@
  * Database configuration for Stock Bot services
  */
 import { z } from 'zod';
-import { getEnvVar, getNumericEnvVar, validateConfig } from './core';
+import { getEnvVar, getNumericEnvVar, validateConfig, createConfigLoader } from './core';
 import { databaseConfigSchema, DatabaseConfig } from './types';
 
 /**
@@ -76,6 +76,15 @@ export function loadDatabaseConfig(): DatabaseConfig {
   return validateConfig(config, databaseConfigSchema);
 }
 
+/**
+ * Creates a dynamic configuration loader for database config
+ */
+export const createDatabaseConfig = createConfigLoader<typeof defaultDatabaseConfig>(
+  'database',
+  databaseConfigSchema,
+  defaultDatabaseConfig
+);
+
 /**
  * Singleton database configuration
  */
diff --git a/libs/config/src/logging.ts b/libs/config/src/logging.ts
index a9ca718..62f0b5d 100644
--- a/libs/config/src/logging.ts
+++ b/libs/config/src/logging.ts
@@ -2,7 +2,7 @@
  * Loki logging configuration for Stock Bot platform
  */
 import { z } from 'zod';
-import { getEnvVar, getNumericEnvVar, getBooleanEnvVar } from './core';
+import { getEnvVar, getNumericEnvVar, getBooleanEnvVar, createConfigLoader, validateConfig } from './core';
 
 /**
  * Loki configuration schema
@@ -49,11 +49,27 @@ function parseLabels(labelsStr?: string): Record<string, string> {
   return labels;
 }
 
+/**
+ * Default logging configuration
+ */
+const defaultLoggingConfig: LoggingConfig = {
+  level: 'info',
+  console: true,
+  loki: {
+    host: 'localhost',
+    port: 3100,
+    retentionDays: 30,
+    labels: {},
+    batchSize: 100,
+    flushIntervalMs: 5000
+  }
+};
+
 /**
  * Load logging configuration from environment variables
  */
 export function loadLoggingConfig(): LoggingConfig {
-  return {
+  const config = {
     level: (getEnvVar('LOG_LEVEL') || 'info') as 'debug' | 'info' | 'warn' | 'error',
     console: getBooleanEnvVar('LOG_CONSOLE', true),
     loki: {
@@ -67,8 +83,19 @@ export function loadLoggingConfig(): LoggingConfig {
       flushIntervalMs: getNumericEnvVar('LOKI_FLUSH_INTERVAL_MS', 5000)
     }
   };
+  
+  return validateConfig(config, loggingConfigSchema);
 }
 
+/**
+ * Creates a dynamic configuration loader for logging
+ */
+export const createLoggingConfig = createConfigLoader<typeof defaultLoggingConfig>(
+  'logging',
+  loggingConfigSchema,
+  defaultLoggingConfig
+);
+
 /**
  * Singleton logging configuration
  */
diff --git a/libs/config/src/risk.ts b/libs/config/src/risk.ts
index f7798b3..e56f4db 100644
--- a/libs/config/src/risk.ts
+++ b/libs/config/src/risk.ts
@@ -1,7 +1,7 @@
 /**
  * Risk management configuration for trading operations
  */
-import { getNumericEnvVar, validateConfig } from './core';
+import { getNumericEnvVar, validateConfig, createConfigLoader } from './core';
 import { riskConfigSchema, RiskConfig } from './types';
 
 /**
@@ -30,6 +30,15 @@ export function loadRiskConfig(): RiskConfig {
   return validateConfig(config, riskConfigSchema);
 }
 
+/**
+ * Creates a dynamic configuration loader for risk management
+ */
+export const createRiskConfig = createConfigLoader<typeof defaultRiskConfig>(
+  'risk',
+  riskConfigSchema,
+  defaultRiskConfig
+);
+
 /**
  * Singleton risk configuration
  */