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@@ -35,23 +35,25 @@ model-index:
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  **Occupancy opens 13 CFR 120.131.**
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- Trace is the 504/7(a) model for lenders. CDCs, CDFIs, and 7(a) shops paste a file and get the paragraph in force. A person still owns the file. Trace does not approve. Trace does not deny. Trace is not an SBA product. Not for applicants.
 
 
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  ![ScreenBench holdout](holdout.png)
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- ## The clock (this is not a leaked loan)
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- SBA numbers an application on a calendar day. That day — `as_of` — picks which SOP governs the file. It is **not** a borrower ID and not an AmPac loan.
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  ![SOP clock](clock.png)
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- | `as_of` | SOP in force | Official text |
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  |---|---|---|
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- | through 2025-05-31 | SOP 50 10 7.1 | [docx](https://www.sba.gov/sites/default/files/2023-10/SOP%2050%2010%207.1%20effective%2011.15.23.docx) |
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- | 2025-06-01 to 2026-09-30 | SOP 50 10 8 | [docx](https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx) |
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- | on or after 2026-10-01 | SOP 50 10 8.1 | [docx](https://www.sba.gov/sites/default/files/2026-08/SOP%2050%2010%208.1%20effective%2010.1.2026_0.docx) · [notice issuing 8.1](https://www.sba.gov/sites/default/files/2026-08/SBA%20Information%20Notice%205000-880695%20-%20Issuance%20of%20SOP%2050%2010%208.1.pdf) |
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- So **as_of 2026-10-15 → SOP 50 10 8.1**. That is a test date after the 8.1 cutover. Clock is code (`clock.py`). The SOP body is retrieved, not memorized.
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  ## What must open
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@@ -59,29 +61,29 @@ So **as_of 2026-10-15 → SOP 50 10 8.1**. That is a test date after the 8.1 cut
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  |---|---|---|
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  | Investor real estate, will not occupy | 13 CFR 120.131 | [eCFR](https://www.ecfr.gov/current/title-13/section-120.131) |
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  | Working capital / payroll on a 504 | 13 CFR 120.120 | [eCFR](https://www.ecfr.gov/current/title-13/section-120.120) |
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- | Size (NAICS + receipts) | 13 CFR 121.201 | [eCFR](https://www.ecfr.gov/current/title-13/section-121.201) · [size table](https://data.sba.gov/sites/default/files/distribution/SBA-GCBD-2014-08-001/sba-table-of-size-standards_effective-march-17-2023_v0.xlsx) |
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- | as_of 2026-10-15 | SOP 50 10 8.1 | [SBA SOP 50 10](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) |
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  No cite → not a screen.
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  ## Official sources Trace retrieves
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- Public U.S. government works. Dated snapshots. **Retrieved context, not a continued-pretraining dump.**
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- | Source | In force | Link |
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  |---|---|---|
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  | 13 CFR Part 120 | current eCFR | [ecfr.gov](https://www.ecfr.gov/current/title-13/chapter-I/part-120) |
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  | 13 CFR Part 121 (size) | current eCFR | [ecfr.gov](https://www.ecfr.gov/current/title-13/chapter-I/part-121) |
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- | SOP 50 10 8 | 2025-06-01 | [SBA](https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx) |
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- | SOP 50 10 8.1 | 2026-10-01 | [SBA](https://www.sba.gov/sites/default/files/2026-08/SOP%2050%2010%208.1%20effective%2010.1.2026_0.docx) |
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- | SOP 50 10 7.1 | historical, through 2025-05-31 | [SBA](https://www.sba.gov/sites/default/files/2023-10/SOP%2050%2010%207.1%20effective%2011.15.23.docx) |
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- | SOP 50 55 (504 servicing) | 2013-10-01 | [SBA PDF](https://www.sba.gov/sites/default/files/2022-07/SOP_50_55_9-4-13_1.pdf) |
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- | SOP 50 57 (7(a) servicing) | 2025-11-01 | [SBA PDF](https://www.sba.gov/sites/default/files/2025-09/FINAL%20SOP%205057%204%20version.pdf) |
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- | PN 5000-876441 citizenship | 2026-03-01 | [SBA PDF](https://www.sba.gov/sites/default/files/2026-02/Policy%20Notice%205000-876441%20-%20Update%20to%20Citizenship%20and%20Residency%20Requirements%20and%20Recission%20of%20PN%2050000-872050.pdf) |
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- | IN 5000-868665 (issues SOP 8) | 2025-05-29 | [SBA PDF](https://www.sba.gov/sites/default/files/2025-05/SBA%20Information%20Notice%205000-868665_0.pdf) |
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- | IN 5000-880695 (issues SOP 8.1) | 2026-08-14 | [SBA PDF](https://www.sba.gov/sites/default/files/2026-08/SBA%20Information%20Notice%205000-880695%20-%20Issuance%20of%20SOP%2050%2010%208.1.pdf) |
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- | Size standards table | 2023-03-17 | [data.sba.gov xlsx](https://data.sba.gov/sites/default/files/distribution/SBA-GCBD-2014-08-001/sba-table-of-size-standards_effective-march-17-2023_v0.xlsx) |
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- | Franchise directory | 2026-08-20 | [SBA xlsx](https://www.sba.gov/sites/default/files/2026-08/Franchise%20Directory%20Aug%2020-2026-REM01.xlsx) |
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  Lake on disk: 23 official sources, 4,775 chunks. Size and franchise are **lookups**, not 978 RAG chunks.
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  **Occupancy opens 13 CFR 120.131.**
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+ Trace is a small open-source 504/7(a) screening model for CDFIs and lenders. Ask it a file. It returns the SOP or CFR paragraph in force on the loan-number date, a hard-stop or bounce, and a board you can check. A human certifies eligibility and credit.
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+ Not an SBA product. Does not speak for SBA. Does not determine eligibility. Does not decide credit. Not for applicants.
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  ![ScreenBench holdout](holdout.png)
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+ ## SOP in force
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+ The loan-number date picks the SOP. SOP 50 10 8.1 does not leak onto a January 2026 file.
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  ![SOP clock](clock.png)
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+ | Loan-number date | SOP | Official |
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  |---|---|---|
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+ | through 2025-05-31 | SOP 50 10 7.1 | [SBA SOP 50 10](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · [docx](https://legacy.sba.gov/sites/default/files/2023-10/SOP%2050%2010%207.1%20effective%2011.15.23.docx) |
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+ | 2025-06-01 to 2026-09-30 | SOP 50 10 8 | [SBA SOP 50 10](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · [docx](https://legacy.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx) |
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+ | on or after 2026-10-01 | SOP 50 10 8.1 | [SBA SOP 50 10](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · [docx](https://legacy.sba.gov/sites/default/files/2026-08/SOP%2050%2010%208.1%20effective%2010.1.2026_0.docx) · [notice](https://www.sba.gov/document/information-notice-5000-880695-issuance-sop-50-10-81) |
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+ Clock is code. The SOP body is retrieved, not memorized.
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  ## What must open
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  |---|---|---|
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  | Investor real estate, will not occupy | 13 CFR 120.131 | [eCFR](https://www.ecfr.gov/current/title-13/section-120.131) |
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  | Working capital / payroll on a 504 | 13 CFR 120.120 | [eCFR](https://www.ecfr.gov/current/title-13/section-120.120) |
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+ | Size (NAICS + receipts) | 13 CFR 121.201 | [eCFR](https://www.ecfr.gov/current/title-13/section-121.201) · [size table](https://www.sba.gov/document/support-table-size-standards) |
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+ | Loan numbered on or after 2026-10-01 | SOP 50 10 8.1 | [SBA SOP 50 10](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) |
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  No cite → not a screen.
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  ## Official sources Trace retrieves
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+ Public U.S. government works. Dated snapshots. **Retrieved context, not a continued-pretraining dump.** Direct file links use `legacy.sba.gov` because SBA's `www` file paths 404.
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+ | Source | In force | Official |
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  |---|---|---|
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  | 13 CFR Part 120 | current eCFR | [ecfr.gov](https://www.ecfr.gov/current/title-13/chapter-I/part-120) |
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  | 13 CFR Part 121 (size) | current eCFR | [ecfr.gov](https://www.ecfr.gov/current/title-13/chapter-I/part-121) |
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+ | SOP 50 10 8 | 2025-06-01 | [page](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · [docx](https://legacy.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx) |
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+ | SOP 50 10 8.1 | 2026-10-01 | [page](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · [docx](https://legacy.sba.gov/sites/default/files/2026-08/SOP%2050%2010%208.1%20effective%2010.1.2026_0.docx) |
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+ | SOP 50 10 7.1 | through 2025-05-31 | [page](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · [docx](https://legacy.sba.gov/sites/default/files/2023-10/SOP%2050%2010%207.1%20effective%2011.15.23.docx) |
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+ | SOP 50 55 (504 servicing) | 2013-10-01 | [page](https://www.sba.gov/document/sop-50-55-504-loan-servicing-liquidation) · [pdf](https://legacy.sba.gov/sites/default/files/2022-07/SOP_50_55_9-4-13_1.pdf) |
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+ | SOP 50 57 (7(a) servicing) | 2025-11-01 | [page](https://www.sba.gov/document/sop-50-57-7a-loan-servicing-liquidation) · [pdf](https://legacy.sba.gov/sites/default/files/2025-09/FINAL%20SOP%205057%204%20version.pdf) |
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+ | PN 5000-876441 citizenship | 2026-03-01 | [pdf](https://legacy.sba.gov/sites/default/files/2026-02/Policy%20Notice%205000-876441%20-%20Update%20to%20Citizenship%20and%20Residency%20Requirements%20and%20Recission%20of%20PN%2050000-872050.pdf) |
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+ | IN 5000-868665 (issues SOP 8) | 2025-05-29 | [pdf](https://legacy.sba.gov/sites/default/files/2025-05/SBA%20Information%20Notice%205000-868665_0.pdf) |
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+ | IN 5000-880695 (issues SOP 8.1) | 2026-08-14 | [page](https://www.sba.gov/document/information-notice-5000-880695-issuance-sop-50-10-81) · [pdf](https://legacy.sba.gov/sites/default/files/2026-08/SBA%20Information%20Notice%205000-880695%20-%20Issuance%20of%20SOP%2050%2010%208.1.pdf) |
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+ | Size standards table | 2023-03-17 | [page](https://www.sba.gov/document/support-table-size-standards) · [xlsx](https://data.sba.gov/sites/default/files/distribution/SBA-GCBD-2014-08-001/sba-table-of-size-standards_effective-march-17-2023_v0.xlsx) |
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+ | Franchise directory | 2026-08-20 | [page](https://www.sba.gov/document/support-sba-franchise-directory) · [xlsx](https://legacy.sba.gov/sites/default/files/2026-08/Franchise%20Directory%20Aug%2020-2026-REM01.xlsx) |
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  Lake on disk: 23 official sources, 4,775 chunks. Size and franchise are **lookups**, not 978 RAG chunks.
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