Legal
Serious about data, collateral, and compliance
Built as a lender from day one, with collateral-first structures and clear data practices.
How we protect collateral
DockFi’s lending model is designed around enforceable collateral access. We lend only when we have either physical or legal access over pledged inventory, whether it is stored at LAB3 or at a partner 3PL.
Access structures can include:
Tri-party agreements between the borrower, DockFi, and the 3PL.
Warehouseman’s lien and consignment/title structures, where appropriate.
Live inventory sync with 3PL WMS systems to ensure NOLV coverage is monitored in real time.
This approach allows us to protect capital while keeping your operations running smoothly without removing your
How we handle data
To underwrite and service inventory-backed facilities, we may work with:
Inventory and operational data from partner 3PLs and WMS platforms.
Business financials such as P&Ls, bank statements, and tax documents.
Marketplace data from platforms like Amazon, Shopify,walmart shared with permission.
We use this data only to evaluate eligibility, monitor collateral, and comply with legal and regulatory requirements. We do not sell your data, and we limit sharing to trusted service providers and partner 3PLs where needed to operate the program.
Privacy Policy
For full details on what information we collect, how we use it, and your rights to access or delete data, please refer to our Privacy Policy.
Regulatory alignment
DockFi structures its lending products and collateral access in line with applicable UCC provisions for secured transactions and warehouseman’s liens, and maintains documentation and audit trails for all pledged inventory. Our goal is simple: disciplined, transparent asset-backed lending that protects all parties and supports long-term relationships with 3PLs and borrowers.
Questions about legal or compliance matters
If you have questions about our legal framework, collateral structures, or data practices, please reach out to our team at privacy@dockfi.io and we will route your inquiry to the appropriate contact.