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AmPac
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trace

Text Generation
MLX
English
sba
504
7a
lora
screening
Model card Files
xet
 Community
mzwin9870 commited on
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Trace: product card. Occupancy opens 13 CFR 120.131.

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  pipeline_tag: text-generation
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  ---
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- # Trace (v9-160)
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- Occupancy opens **13 CFR 120.131**.
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- Open-source 504/7(a) **screening model** for CDFIs and lenders. LoRA on Qwen2.5-7B-Instruct. Not a chatbot. Not a credit engine. Not an SBA product.
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- The unit you run is **adapter + dated lake + TRACE runner**. The adapter file alone is not the product.
 
 
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  ```bash
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  python3 -m sba_screen --as-of 2026-01-15 --sketch "504 to buy apartments they will rent out and not occupy"
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  ```
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- That must open **13 CFR 120.131**.
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- ## ScreenBench (same grader)
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- | Seat | Holdout n=12 | Exam n=76 | False kill |
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- |---|---|---|---|
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- | This adapter alone | **6/12** | 71/76 | 0 |
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- | Complete system (adapter + TRACE) | **12/12** | 76/76 | 0 |
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- Do not quote 12/12 as a naked-7B score.
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- ## Load (MLX)
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- Base: [`mlx-community/Qwen2.5-7B-Instruct-4bit`](https://huggingface.co/mlx-community/Qwen2.5-7B-Instruct-4bit) revision `c26a38f6a37d0a51b4e9a1eb3026530fa35d9fed`.
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- ```text
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- adapters.safetensors sha256 a7ef52fe9c4881e3904343dca7f75ee9ba01132d35de26bac424d3470a7f671b
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- ```
 
 
 
 
 
 
 
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- A designated officer still certifies eligibility and credit. Outputs are drafts. Not for applicants.
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- License `other`: Qwen weights (Tongyi Qianwen) + U.S. government SOP/CFR lake + AmPac runner. `verified: false`.
 
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  pipeline_tag: text-generation
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  ---
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+ # Trace
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+ **Occupancy opens 13 CFR 120.131.**
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+ Trace is the 504/7(a) model for CDFIs and lenders.
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+ Paste a file. Trace returns the SOP or CFR paragraph in force on the loan-number date, a hard-stop or bounce, and a board an officer can check. Every screen opens a source. No cite → not a screen.
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+
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+ A designated officer still certifies eligibility and credit. Trace does not approve a loan. Trace does not deny credit. Trace does not speak for SBA. Trace is not an SBA product. Not for applicants. Outputs are drafts.
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  ```bash
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  python3 -m sba_screen --as-of 2026-01-15 --sketch "504 to buy apartments they will rent out and not occupy"
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  ```
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+ Investor real estate must open **13 CFR 120.131**. Working capital on a 504 must open **13 CFR 120.120**. A loan number on 2026-10-15 must open **SOP 50 10 8.1**.
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+ ## Who it is for
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+ CDC, CDFI, and 7(a) lender staff. A professional pastes a matter. Trace drafts from the official lake. A human signs.
 
 
 
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+ ## What it is not
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+ A consumer eligibility chatbot. A credit decision. An SBA system of record.
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+ ## Evaluation
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+ Same code grader. `verified: false`.
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+
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+ | | Holdout | Exam | False kill |
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+ |---|---|---|---|
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+ | Weights alone | 6/12 | 71/76 | 0 |
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+ | Trace (weights + dated lake + runner) | **12/12** | 76/76 | 0 |
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+
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+ The product is Trace, not the adapter file by itself.
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+
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+ ## Weights
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+ LoRA on [`mlx-community/Qwen2.5-7B-Instruct-4bit`](https://huggingface.co/mlx-community/Qwen2.5-7B-Instruct-4bit) (`c26a38f6`). `adapters.safetensors` sha256 `a7ef52fe9c4881e3904343dca7f75ee9ba01132d35de26bac424d3470a7f671b`.
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+ License `other`: Qwen (Tongyi Qianwen) + U.S. government SOP/CFR as retrieved context + AmPac runner. Official text was not a pretraining target.