Guide

A finished adapter is not a product. You still have to serve it, version it, and redo the work when the base model is replaced. The hosting choice is managed API vs open-weight LoRA. The maintenance choice is how you survive the next base-model release.

Concept

Before you start: you need a held-out win on quality, or on cost and latency at matched quality. See fine-tuning data. If the bake-off is still "prompt plus routing wins," do not stand up GPUs.

Managed API vs open-weight LoRA

Managed fine-tuning APIsOpen-weight LoRA
OpsUpload data, train, call a custom model idGPUs, checkpoints, serving stack
DataLeaves your boundary (check terms)Can stay in-VPC
IterationFast without ML infraMore knobs: rank, targets, schedule
ServingProvider scales itMulti-LoRA or merged weights
Cost shapePer-training plus per-token on the custom modelGPU time to train and to serve

Orders of magnitude as of when this was written: managed SFT jobs often land in the tens to hundreds of dollars for modest datasets. Serving a fine-tuned mid-size model can undercut frontier API prices if volume is high. Self-host LoRA training on one high-memory GPU is routine for 7B to 13B. Larger models need multi-GPU or QLoRA.

Always compare total cost: engineering time, eval maintenance, and the day the base model is deprecated.

Tip

Run a bake-off before committing infra: best prompted frontier vs best prompted mid vs fine-tuned small, all on the same eval suite, with dollars per 1,000 requests and p95 latency. Many "we must fine-tune" projects die when a better prompt plus routing wins.

Multi-LoRA and a light sweep

For LoRA SFT, people actually touch rank r (often 8 to 64), which modules get adapters, learning rate, epochs, and max sequence length matching production. Watch validation loss. Data fixes beat exotic schedules.

Multi-LoRA keeps one base in memory and swaps adapters per request or tenant. Merge an adapter into the base when there is a single global tune. See multi-tenant serving.

Versioning and churn

Treat base_model + adapter_id + data_revision + eval_suite_id as the release. Roll back like any bad deploy.

Frontier and open bases improve every few months. Budget to re-distill or re-SFT on the new base. Old adapters do not automatically transfer. If you fine-tune only once a year, a prompted newer base may overtake you for free.

Prefer fine-tunes that encode stable behavior (format, taxonomy) over ones that encode weekly policy text. Policy belongs in RAG.

Even after a successful fine-tune, keep an escape hatch. Hard queries escalate to a larger model. The fine-tune handles the fat middle. The frontier model handles the long tail. See latency and cost.

Combining RAG and fine-tuning

The usual production pattern is both: retrieve evidence, then generate with a model that was SFT'd to cite, abstain and format correctly. Fine-tuning without retrieval still will not know Tuesday's price change. Retrieval without behavioral tuning may still wander off-schema. Evaluate the compound system, retrieval plus weights plus prompt, as one unit.

Common mistakes

  • Skipping the bake-off. You spend six weeks on LoRA and discover two better few-shots were within 1 point.
  • Treating the adapter as permanent. The next base release orphans it.
  • Encoding weekly policy in weights. Next Tuesday's price change will be wrong until you re-train.

Check yourself

  1. You have no ML infra and a 400-row classification set. Managed API or open-weight LoRA? Managed API. Upload, train, call a custom model id.
  2. Why re-train when the base model changes? Adapters do not automatically transfer. A prompted new base may already beat last year's tune.

Key takeaways

  • Managed APIs trade control for speed. Open-weight LoRA trades ops for isolation.
  • Compare total cost, including the day the base is deprecated.
  • Version base, adapter, data and eval suite together.
  • Combine RAG and fine-tuning: evidence in context, style in weights.

Further learning

Back to the decision ladder. For serving many adapters on one base, see multi-tenant serving.