DeCAF: Decentralized consensus-and-factorization for low-rank adaptation of foundation models

Low-Rank Adaptation (LoRA) has emerged as one of the most effective, computationally tractable fine-tuning approaches for training Vision-Language Models (VLMs) and Large Language Models (LLMs). LoRA accomplishes this by freezing the pre-trained model weights and injecting trainable low-rank matrices, allowing for efficient learning of these foundation models even on edge devices. However, LoRA in decentralized settings still remains under-explored, particularly for the theoretical underpinnings due to the lack of smoothness guarantee and model consensus interference (defined formally below). This work improves the convergence rate of decentralized LoRA (DLoRA) to match the rate of decentralized SGD by ensuring gradient smoothness. We also introduce DeCAF, a novel algorithm integrating DLoRA with truncated singular value decomposition (TSVD)-based matrix factorization to resolve consensus interference. Theoretical analysis shows TSVD's approximation error is bounded and consensus differences between DLoRA and DeCAF vanish as rank increases, yielding DeCAF's matching convergence rate. Extensive experiments across vision/language tasks demonstrate our algorithms outperform local training and rivals federated learning under both IID (independent and identically distributed) and Non-IID data.