Prep the pan and oven: Preheat your oven to 350°F (175°C).
Line a 9x5-inch loaf pan with parchment paper, leaving overhang for easy lifting. Lightly grease the sides.
Mix the cinnamon swirl: In a small bowl, combine 2 tablespoons sweetener, 1 tablespoon cinnamon, and 1 tablespoon melted butter. Stir until sandy and set aside.
Whisk dry ingredients: In a medium bowl, whisk almond flour, coconut flour, baking powder, baking soda, salt, cinnamon, ginger, nutmeg, and cloves until no lumps remain.
Combine wet ingredients: In a large bowl, whisk eggs, pumpkin puree, 1/2 cup sweetener, sour cream, melted butter (slightly cooled), and vanilla until smooth.
Bring the batter together: Add dry ingredients to the wet.
Stir with a spatula until just combined. The batter will be thick but spreadable. Do not overmix.
Layer and swirl: Spread half the batter into the pan.
Sprinkle half the cinnamon-sweetener mixture evenly over the surface. Add the remaining batter and gently spread to cover. Top with the rest of the cinnamon mixture.
Use a butter knife to make gentle S-shaped swirls from front to back. Don’t overdo it—4–5 passes is enough.
Add optional topping: Sprinkle chopped pecans and the cinnamon “sugar” topping, if using.
Bake: Place on the center rack and bake for 45–55 minutes, until the top is set, deep golden, and a toothpick inserted near the center comes out mostly clean with a few moist crumbs. If it’s browning too fast at 40 minutes, tent loosely with foil.
Cool properly: Let the cake cool in the pan for 15 minutes, then lift it out using the parchment and transfer to a wire rack.
Cool completely before slicing for clean cuts and the best texture.
Slice and serve: Use a sharp serrated knife to slice. Serve as-is or with a small dollop of whipped cream sweetened with a keto sweetener.