Customer story
Proving a renter's income
when there is no payslip.
Findigs is an all-in-one rental ecosystem built to establish trust between property managers and residents. Its hardest screening problem is the self-employed applicant, where income verification means layers of validation and a real risk of falsified claims. Enigma automates 70% of those business verifications, turning a 7–10 minute manual search into an instant answer.
Enigma + Findigs — automating self-employed income verification
- Customer
- Findigs
- Industry
- Rental screening / proptech
- Use case
- Self-employed income & business verification
- Headline result
- 70% of verifications automated
70%
of self-employed applicant business verifications automated
30%↓
reduction in additional document requests
7–10 min → instant
verification time when Enigma finds a business match
$15K
average legal fees and lost rent avoided per prevented eviction
Source: Findigs & Enigma KYB case study, enigma.com
01
The challenge
Income verification is the critical step, and the self-employed break it.
Verifying an applicant's true financial standing requires multiple layers of validation — payroll and bank account history, document authentication. For a salaried applicant that chain mostly holds. For a self-employed one it doesn't.
Fraudulent income claims and falsified job offer letters pose a real risk to property managers, and the downstream cost is an eviction: an average of $15,000 in legal fees and lost rent.
Before Enigma, Findigs verified self-employment business legitimacy by searching Secretary of State databases by hand — 7 to 10 minutes per applicant, and a bottleneck that pushed applicants toward dropping off.
02
Why Enigma
Instant, and priced so it can run on every application.
To streamline self-employment business verification, Findigs needed a data source that was trustworthy and accurate but also cheap enough to call every time. Competitors to Enigma charge over $60 per request; Enigma's answer is instantaneous and affordable, which is what makes running it on every applicant viable rather than theoretical.
Without it, Findigs would be choosing between expensive third-party verifications and a return to time-consuming manual processes — higher operating costs either way, and slower decisions.
Enigma also validates job offers alongside business verification, so the same call covers both sides of the self-employment claim.
Before
Manual Secretary of State searches, ~10 minutes per applicant
With Enigma
Instant verification and approval when a business match is found
> $60
per request charged by competing providers
03
The impact
Fewer documents asked for, fewer applications abandoned.
Findigs has automated 70% of self-employed applicant business verifications and reduced additional requests for documentation by 30% — the requests that drive application drop-off. The verification that once took 7 to 10 minutes per applicant is now instantaneous whenever Enigma finds a business match.
Reliable automation also changes the fraud posture. Findigs can confirm that applicants are using legitimate business income rather than falsified claims, which lets property managers approve self-employed applicants on their business as proof of income with confidence.
Preventing fraudulent approvals is where the money is: each avoided eviction saves an average of $15,000 in legal fees and lost rent.
Self-employed verifications automated
70%
Reduction in additional document requests
30%
Also in production
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