ALAMZ TECH SME Copilot (GGUF, Q4_K_M)

Built with Qwen. This model is a fine-tune of Qwen2.5-3B-Instruct and is therefore governed by the Qwen RESEARCH LICENSE AGREEMENT (non-commercial use only; commercial use requires a separate licence from Alibaba Cloud). Modifications made: QLoRA fine-tune on an SME back-office / Nigeria-2025-tax corpus, then imatrix Q4_K_M quantization. Qwen is licensed under the Qwen RESEARCH LICENSE AGREEMENT, Copyright (c) Alibaba Cloud. All Rights Reserved.

An offline back-office copilot for African small businesses — invoices and quotes, mobile-money (MoMo/M-Pesa) reconciliation, and Nigeria's 2025 Tax Reform Acts — built for the 8 GB laptops with integrated graphics that SMEs actually own. ALAMZ TECH's entry to the Africa Deep Tech Challenge 2026 (domain: corporate/enterprise).

  • Base: Qwen2.5-3B-Instruct, QLoRA fine-tune (rank 32, all layers, all attn+MLP modules)
  • Format: GGUF Q4_K_M with a domain-calibrated importance matrix — 1.93 GB
  • Runtime: llama.cpp — CPU-only is fine
  • Peak RAM: ~2.0 GB measured (audit-style container, 4 CPUs / 7.5 GB)
  • Everything (data pipeline, training, quantization, evals) was built on one 8 GB M2 laptop

Why it exists

Nigeria rewrote its tax law in 2025 — after every mainstream base model's training data. Stock models confidently quote repealed rates (5% VAT, ₦25M small-company threshold). This model was fine-tuned on a hand-curated, grep-verified fact base built from the OCR'd official Gazette (Nigeria Tax Act 2025 + Tax Administration Act 2025), with every training number either confirmed verbatim in the Act or corroborated by 2+ professional sources, and all arithmetic in the training data computed programmatically, never generated.

Measured on a 37-question adversarial fact eval (paraphrases, casual/Pidgin phrasings, adversarial framings, greedy decoding): 24/37 (base-prior v1) → 34/37 (this model), including: VAT 7.5% · small-company 0% CIT (≤₦100M turnover, ≤₦250M fixed assets) · standard 30% CIT · Development Levy 4% with the small-company exemption · the professional-services exclusion. Full methodology and results in the GitHub repo.

Run it

# chat UI at http://localhost:8080
llama-server -m alamz-tech-sme-copilot-Q4_K_M.gguf --port 8080 -c 2048

# or one-shot
llama-cli -m alamz-tech-sme-copilot-Q4_K_M.gguf -p "What is the current VAT rate in Nigeria?"

Try: "A customer paid NGN 127,500 by MoMo. They owe INV-114 (NGN 85,000) and INV-121 (NGN 42,500). Does this clear both?"

In the full product this model is paired with a deterministic finance module (mobile-money statement parser, double-entry ledger, citeable tax-rule engine — same verified fact base) that computes every figure; the model narrates. See the demo app in the GitHub repo.

Limitations

  • Nigeria-2025 depth is the specialty; other jurisdictions get general reasoning only.
  • Like any small LLM it can err on multi-step arithmetic — the paired module exists precisely for that; don't ship model-only math to production.
  • Not professional tax advice. Confirm specifics with FIRS/NRS or a licensed accountant.

sha256 8ea4493dc50391a48cfc400a447c23dc50c584845c11ad0c999b7b030a5d773d — verify your download.

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