| --- |
| language: |
| - en |
| license: other |
| library_name: mlx |
| pipeline_tag: text-generation |
| base_model: mlx-community/Qwen2.5-7B-Instruct-4bit |
| tags: |
| - sba |
| - "504" |
| - "7a" |
| - lora |
| - screening |
| --- |
| |
| # Trace |
|
|
| Trace is a specialized MLX LoRA adapter trained on high-quality, curated synthetic data for SBA 504 and 7(a) screening. |
|
|
| It helps a lender identify the rule that applies on a loan’s effective date, surface a potential hard stop, and prepare a reviewable screening summary. A qualified human must confirm every eligibility and credit decision. |
|
|
| ## What is included |
|
|
| - LoRA adapter weights in MLX format |
| - `adapter_config.json` |
| - Evaluation visuals based on synthetic screening scenarios |
|
|
| The complete Trace system also uses a dated retrieval layer and deterministic policy checks. Those components are separate from this adapter. |
|
|
| ## Training and grounding |
|
|
| The adapter was trained on 11,196 curated synthetic examples and 768 screening stems. The examples use fictional entities and are grounded in these authoritative sources: |
|
|
| - [SBA SOP 50 10 — Lender and Development Company Loan Programs](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) |
| - [13 CFR Part 120 — Business Loans](https://www.ecfr.gov/current/title-13/chapter-I/part-120) |
| - [13 CFR Part 121 — Small Business Size Regulations](https://www.ecfr.gov/current/title-13/chapter-I/part-121) |
| - [13 CFR 120.120 — Eligible use of proceeds](https://www.ecfr.gov/current/title-13/section-120.120) |
| - [13 CFR 120.131 — Leasing part of an existing or proposed building](https://www.ecfr.gov/current/title-13/section-120.131) |
|
|
| The effective loan date selects the applicable SOP version. The complete system retrieves the source text before producing a screening summary. |
|
|
| ## Model details |
|
|
| | Field | Value | |
| | --- | --- | |
| | Architecture | Causal language model with LoRA adapter | |
| | Base model | [Qwen2.5-7B-Instruct 4-bit for MLX](https://huggingface.co/mlx-community/Qwen2.5-7B-Instruct-4bit) | |
| | Fine-tuning method | MLX LoRA, rank 16, prompt masking enabled | |
| | Selected checkpoint | v9-160 | |
| | Primary output | Screening JSON and officer-facing draft summary | |
| | Intended users | Trained lending and compliance staff | |
|
|
| ## Evaluation |
|
|
| ScreenBench holdout uses 12 frozen synthetic files and a deterministic grader. |
|
|
| | Configuration | All-pass | False-kill | |
| | --- | ---: | ---: | |
| | Adapter without the Trace runtime | 6/12 | 0 | |
| | Complete system with retrieval and policy checks | 12/12 | 0 | |
|
|
| These results measure the complete screening workflow on a small internal holdout. They are not an independent certification. |
|
|
| ## Quickstart |
|
|
| ```python |
| from mlx_lm import load, generate |
| |
| model, tokenizer = load( |
| "mlx-community/Qwen2.5-7B-Instruct-4bit", |
| adapter_path="AmPac/trace", |
| ) |
| ``` |
|
|
| The adapter alone does not provide the dated retrieval and deterministic policy checks used by the complete Trace system. |
|
|
| ## Important limitations |
|
|
| Trace does not determine eligibility, approve credit, or speak for the U.S. Small Business Administration. It produces review drafts for qualified staff. |
|
|
| Do not use Trace as the sole basis for an approval, decline, servicing action, or applicant communication. Confirm the source text and effective date before relying on an output. |
|
|
| ## License and attribution |
|
|
| Repository license: `other`. The base model has its own license and terms. SBA SOPs, federal regulations, and notices remain subject to their source terms. |
|
|
