Find the best instant funding prop firms offering immediate access to trading accounts and capital. This guide breaks down true instant funding account options only, along with their platforms, fees, profit payouts and more, to help you choose the ideal funded account and prop firm.
We reviewed the best prop firms offering instant funding programs
The best instant funding prop firms offer traders immediate access to capital, skipping the entire evaluation process. These instant funding programs allow you to begin trading with firm capital right away, giving you quicker entry into financial markets and live trading.
Prop Firm Score
Challenge Types
Instant, Lightning, One Step, Two Step, Three Step
Trading Platforms
MT4, MT5, DXTrade, TradingView
Profit Payout
Up to 90%
Why FXIFY is the Best Instant Funding Option
FXIFY is the best instant funding prop firm, offering immediate access to capital with account sizes starting at $1,000 and profit shares up to 90%. Backed by FXPIG, it provides low spreads and access to MT4, MT5, DXTrade, and TradingView. With a scaling plan up to $4 million, FXIFY combines flexibility, reliability, and growth potential for all traders.
Pros & Cons
Prop Firm Details
FXIFY’s Instant Funding Accounts let you start trading immediately with account sizes from $1,000 to $50,000, no evaluations required. Backed by FXPIG, a trusted forex broker, you can benefit from reliable trade execution and access to tight spreads on forex, indices, commodities, and cryptocurrencies.
The instant funding accounts include simple, trader-friendly rules, like an 8% daily loss limit, designed to support disciplined trading without overwhelming beginner traders. Advanced traders will appreciate the flexibility to use MT4, MT5, or DXTrade platforms, accommodating both manual and automated strategies.
FXIFY also offers a scaling plan up where you can grow your trading account up to $4 million, with consistent performers can increase their account size by 25% every three months. Combined with profit shares up to 90%, it’s a strong option for traders focused on capital growth and earning potential.
| Account Size | Fee | Daily Loss Limit (8%) | Max Trailing Drawdown (8%) |
|---|---|---|---|
| $1,000 | $69 | $80 | $80 |
| $2,500 | $119 | $200 | $200 |
| $5,000 | $229 | $400 | $400 |
| $10,000 | $449 | $800 | $800 |
| $25,000 | $899 | $2,000 | $2,000 |
| $50,000 | $1,749 | $4,000 | $4,000 |
This structure is perfect for traders who want a clear and simple path to funding. Newer traders will appreciate the smaller account sizes and straightforward rules, while experienced traders can benefit from the ability to trade immediately without the need for lengthy evaluations. However, because FXIFY uses a trailing drawdown, traders with aggressive or highly volatile strategies may find it less flexible than static drawdown models.
FXIFY’s fee structure combines competitive spreads with low commission costs:
This setup is ideal for traders prioritising cost-effective trading, particularly during high-liquidity market hours.
FXIFY’s instant funding accounts grant access to a range of financial instruments:
The default leverage for instant funding is capped at 30:1 for forex and gold.
FXIFY supports three trading platforms: MetaTrader 4 (MT4), MetaTrader 5 (MT5), and DXTrade with TradingView integration. Platform access depends on the account type.
Each platform caters to different trading styles. MT4 is suited to traders who rely on EAs or fast manual execution, MT5 includes more order types and stock/crypto access, and DXTrade offers browser-based charting powered by TradingView.
Instant Funding accounts do not support MT4. If you’re planning to use Expert Advisors or need low-latency execution via MT4, you’ll need to choose an evaluation challenge instead.
FXIFY allows traders to request their first payout immediately after a profitable live trade. Instant Funding accounts follow a 14-day cycle, while other account types can request withdrawals on demand.
The default schedule is monthly, but you can upgrade to bi-weekly payouts by selecting an add-on at checkout. Instant accounts have a $50 minimum withdrawal; evaluation accounts have no minimum.
Withdrawals are processed via crypto, bank transfer, or Deel, and typically take 24 to 48 hours. FXIFY also refunds your challenge fee with your first funded payout and regularly shares top withdrawal amounts publicly, adding trust and transparency.
FXIFY is backed by FXPIG, a broker licensed by the Vanuatu Financial Services Commission. While this isn’t a top-tier regulatory licence like ASIC or FCA, it still adds a layer of oversight missing from many prop firms.
FXIFY scores well on Trustpilot, with a rating of 4.2/5 from over 3,000 reviews. Traders regularly mention fast payouts, simple trading rules, and helpful community support. That said, some users have flagged minor delays in payout or activation on higher-tier accounts.
The FXIFY Discord community is also active, with verified trader channels and weekly payout posts. It’s one of the better firm communities if you’re looking for peer support and updates.
FXIFY is the best instant funding prop firm in 2025. With account sizes from $1,000 to $50,000, profit splits up to 90%, and the backing of forex broker FXPIG, it stands out for its flexibility, execution quality, and transparency. You can start trading immediately without an evaluation, access top-tier platforms like MT5 and DXTrade, and withdraw profits every 14 days. While the trailing drawdown and limited MT4 access on Instant Funding accounts may not suit everyone, FXIFY remains the strongest option for traders who want to skip the challenge and get funded straight away.
Prop Firm Score
Challenge Types
Instant, One Step, Two Step
Trading Platforms
MT4, MT5, cTrader, DXTrade, Match-Trader
Profit Payout
80% - 90%
Why FTP is 2nd Best for Instant Funding
Funded Trading Plus (FTP) ranked as the second best instant funding prop firm scoring 77 overall, largely due to its Master Trader Program which skips the evaluation process altogether.
During our assessment, FTP grabbed our attention thanks to its account customisation features like adjustable payout intervals and upgradeable profit shares to 90%. This makes it ideal for experienced traders looking for a $100K instant funding account and the option to personalise their account terms.
Pros & Cons
Prop Firm Details
The Master Trader Program at FTP is a straightforward instant funding option ideal if you want to start with live capital immediately. There is no evaluation or multi-step process – just direct access to capital, allowing more experienced traders to bypass testing phases and focus solely on achieving profitability.
The program’s profit share starts at 80%, but you can upgrade this to 90% based on performance milestones, offering higher earnings potential as your trading results improve.
Account sizes in the Master Trader Program range from $5,000 to $100,000, with the flexibility to scale up to $5 million over time. This makes it the best instant funding prop firm if you want a pathway to significant capital growth without undergoing lengthy evaluations.
Here’s a breakdown of the fees and account options available in the Master Trader Program:
| Account Size | One-Time Fee | Starting Profit Split | Max Drawdown | Daily Drawdown |
|---|---|---|---|---|
| $5,000 | $225 | 80% (upgradable to 90%) | 6% | 3% |
| $10,000 | $450 | 80% (upgradable to 90%) | 6% | 3% |
| $25,000 | $1,125 | 80% (upgradable to 90%) | 6% | 3% |
| $50,000 | $2,250 | 80% (upgradable to 90%) | 6% | 3% |
| $100,000 | $4,500 | 80% (upgradable to 90%) | 6% | 3% |
While the Master Trader Program is the prop firms instant funding option, FTP’s other trading challenges provide structured paths if you prefer to work through an evaluation process before managing live capital:
FTP’s fee structure varies based on the account type and size. The Master Trader Program fees start at $225 and go up to $4,500, depending on the account size, making it a strong choice for those looking for instant funding without going through an evaluation. Fees for the one-phase and two-phase challenges are lower, with the smallest one-phase account starting at $119 and the largest two-phase account at $1,097.
Our analysis of FTP’s market options revealed a decent selection across four main asset classes: Forex, Commodities, Indices, and Cryptocurrencies. With access to 53 markets, FTP provides enough variety for diverse trading strategies, though some traders might find the range limited if they’re looking for assets outside these classes.
FTP scored well in platform variety, with five options that accommodate different trading preferences. During testing, we found each platform suited to different trading styles, though cTrader comes with a $25 fee.
FTP offers flexible payout schedules, which stood out in our testing as a key feature. Profit payouts can be made every 3, 5, or 7 days, giving traders more control over their earnings.
The initial profit split is 80%, and traders can upgrade this to 85% or 90% if they prefer a higher share. The minimum withdrawal amount is set at $50, making it accessible for traders at different levels.
Customer support at FTP is available 24/7 through email and live chat, and we found the service responsive during testing. Although the chat initially connects with a bot, you’re quickly transferred to a live representative for further assistance. FTP’s support is limited to English, which could be a consideration for international traders.
Funded Trading Plus has earned a high reputation, backed by a TrustPilot rating of 4.7/5. During testing, we also explored FTP’s online community presence, which includes active groups on Facebook and Discord with over 40,000 members. These platforms provide a space for traders to connect, share insights, and gain support, adding to the firm’s credibility and creating a community feel around the FTP brand.
Based on our testing, FTP is one of the top prop firms for instant funding with its Master Trader Program, coming in second place after FXIFY. With good trading platforms, competitive payout schedules, and a supportive global community, Funded Trading Plus provides a solid offering for traders seeking fast access to trading accounts without lengthy evaluations.
Prop Firm Score
Challenge Types
One Step, Two Step, Instant Funding
Trading Platforms
MT4 and MT5
Profit Payout
75% – 90%
Why Hantec Trader is 3rd Best for Instant Funding
Hantec Trader is the 3rd best instant funding prop firm on our list with an overall score of 75/100, offering immediate access to capital through a broker-backed setup. With accounts up to $200,000 and payouts every 7 or 14 days, it’s ideal for experienced traders who want fast access to firm capital without evaluation.
Backed by FCA regulated forex broker Hantec Markets, the firm stands out for its transparency, real-time pricing, and simple fee structure. While the Instant Funding model has stricter rules than their standard challenges, it’s still one of the better no-evaluation options available.
Pros & Cons
Prop Firm Details
Hantec Trader’s Instant Funding program gives traders access to live capital with no profit target and a trailing drawdown that locks at 6% profit. While the rules are tighter than the firm’s One or Two Step challenges, the structure is clear and predictable.
Evaluation is not required, you purchase your account, trade under set risk limits, and receive payouts every 7 or 14 days depending on your add-on. Profit splits start at 75% and can increase to 90%.
Hantec Trader’s Instant Funding program includes six account sizes, ranging from $5,000 to $200,000. You pay a one-time fee upfront and begin trading immediately under a 6% daily drawdown and 6% total trailing drawdown rule. Once your balance reaches +6% profit, the trailing drawdown becomes static, meaning your protected equity doesn’t reduce as you continue trading.
Here’s a breakdown of Instant Funding account options:
| Account Size | Fee (USD) | Profit Target | Daily Loss (6%) | Max Loss (6%) | Drawdown Type | Profit Split | Payout Timing |
|---|---|---|---|---|---|---|---|
| $5,000 | $69 | None | $300 | $300 | Trailing → Static | 75–90% | 7 or 14 Days |
| $10,000 | $99 | None | $600 | $600 | Trailing → Static | 75–90% | 7 or 14 Days |
| $25,000 | $199 | None | $1,500 | $1,500 | Trailing → Static | 75–90% | 7 or 14 Days |
| $50,000 | $299 | None | $3,000 | $3,000 | Trailing → Static | 75–90% | 7 or 14 Days |
| $100,000 | $499 | None | $6,000 | $6,000 | Trailing → Static | 75–90% | 7 or 14 Days |
| $200,000 | $1,999 | None | $12,000 | $12,000 | Trailing → Static | 75–90% | 7 or 14 Days |
All Instant Funding accounts follow the same structure with no evaluation, no profit target, and no minimum trading days. These accounts do not qualify for scaling, and resets or retakes are not available. This model is best suited for skilled traders ready to go live immediately under clear risk controls.
Hantec Trader uses a raw spread plus commission pricing model. Forex and metal trades carry a flat $5 commission per round-turn lot, while commodities are $1, and both indices and crypto trades are commission-free.
There are no platform or data feed fees, which simplifies cost management. However, the firm does not publish average spread data for instruments like EUR/USD, so while costs are predictable, fee transparency could be better.
This structure works well for traders using moderate frequency strategies where raw pricing and consistent commission charges are more important than ultra-tight spreads.
With Hantec Trader, you can trade across five asset classes using your Instant Funding account: forex, metals, indices, commodities, and cryptocurrencies. The total number of tradable markets is smaller than top-tier firms, but the coverage is sufficient for most strategies.
Leverage is fixed for all Instant Funding accounts. Stocks and futures are not available, and there are no tiered margin systems or lot size restrictions. This setup suits traders focused on forex and index markets rather than niche instruments.
You can choose between MetaTrader 4 and MetaTrader 5 for your Instant Funding account. Both platforms come with real-time pricing and are available on desktop, web, and mobile. Once you start trading, you cannot switch platforms mid-challenge.
Trading rules for Instant Funding accounts include:
This level of rule clarity is ideal for discretionary traders who don’t rely on automation and want full control over execution and trade timing.
Payouts are processed every 14 days by default, or every 7 days with the Weekly Payout add-on. Traders earn between 75% and 90% of profits, depending on their add-ons and account size. There are no minimum withdrawal amounts, and payout requests are processed within 1–2 business days.
You can withdraw via:
Hantec applies a buffer rule after each payout: your new trailing drawdown is calculated based on your post-withdrawal balance, ensuring you maintain account sustainability after withdrawals.
Hantec Trader is one of the few true instant funding prop firms that are broker-backed and regulated, making it a secure option for serious traders. The funding is immediate, rules are transparent, and profit payouts are frequent. It’s not the best option if you need EA support or trade primarily on weekends, but it excels in clean execution, speed, and trust.
Prop Firm Score
Challenge Types
Instant, One Step, Two Step
Trading Platforms
MetaTrader 5, Match-Trader
Profit Payout
80% - 100%
Why CTI is 4th Best for Instant Funding
CTI’s Instant Funding Program stands out for giving traders direct access to trading capital without any evaluation steps. This setup is perfect for experienced traders ready to trade with firm capital immediately, offering a flexible scaling plan and the potential for a profit share that goes up to 100%. CTI also provides the added benefit of funded trader salaries, catering to those who want quick access to funding alongside structured support and steady income growth potential.
Pros & Cons
Prop Firm Details
CTI’s Instant Funding Program is the other pure instant funding prop firm to consider. Account sizes start at $5,000, with options up to $80,000, which is slightly lower than FTPs $100K instant funding program.
For instant funding prop accounts, vary by account size, with a starting profit share of 80%, which can scale up to 100% through consistent performance milestones.
| Account Size | Fee | Starting Profit Split | Max Profit Split | Max Drawdown |
|---|---|---|---|---|
| $5,000 | $299 | 80% | 100% | 6% |
| $10,000 | $599 | 80% | 100% | 6% |
| $20,000 | $1,199 | 80% | 100% | 6% |
| $40,000 | $2,399 | 80% | 100% | 6% |
| $80,000 | $4,799 | 80% | 100% | 6% |
As well as instant funding accounts, CTI also offers one and two step challenges.
CTI maintains competitive trading costs, starting with a 0.3 pip spread for EUR/USD. Commission fees vary by asset class, with forex and commodities incurring $5 per lot, while indices are more affordable at $0.50 per lot. Cryptocurrencies are commission-free, enhancing CTI’s appeal for crypto traders.
City Traders Imperium gives traders access to 50 markets across four main asset classes, making it a versatile choice:
CTI offers just two trading platform options:
Payout flexibility is a key feature at CTI, with an 80% profit split that can scale up to 100% based on performance. Profit withdrawals require a minimum of $100 and can be processed through crypto or bank transfer.
City Traders Imperium offers an Instant Funding Program with a profit share starting at 80% and the potential to reach 100%, along with competitive trading fees and access to 50 markets.
But while CTI’s Instant Funding Program provides quick capital access, it comes at a higher fee point than some other firms, such as FTP, which offers $5,000 accounts at $225 (versus $299 for CTI) and a maximum $100,000 instant funding option for $4,500 fee, compared to CTI’s cap at $80,000 (for a fee of $4,799!).
Prop Firm Score
Challenge Types
Instant Funding, EOD, Static
Trading Platforms
Project X, NinjaTrader, Quantower, Tradovate
Profit Payout
90% - 100%
Why GFF is 5th for Instant Funding
Goat Funded Futures is the fifth best instant funding prop firm, and one of the very few that offers true instant funding for futures traders. Most prop firms only offer instant access for forex or CFD accounts, but GFF lets you skip the evaluation phase and start trading real CME futures markets right away. That said, strict drawdown rules and no reset options limit flexibility. GFF is best suited for disciplined traders who want immediate access to funded futures accounts.
Pros & Cons
More Details About GFF
Goat Funded Futures is the futures trading arm of Goat Funded Traders. It offers three account types—EOD, Static, and Instant Funding—with a focus on serious traders who want direct access to CME markets. What makes GFF unique is its ability to offer instant funding for futures, something almost no other firm provides.
All models include access to 55 futures instruments, full-size and micro contracts, and advanced trading platforms with real-time data. There are no fees for platforms, exchanges, or data connections, and all accounts use a simple, rules-based structure with daily loss limits and trailing or static drawdowns.
The Instant Funding model at GFF is a one-time-fee account that gives you immediate access to a funded account—no evaluation phase required. You start trading live capital right away, and once you hit a 7% profit target and complete at least 10 trading days, you’ll qualify for your first payout. There’s no option to reset the account if you breach a rule, so this setup is best for disciplined traders who want fast access but can manage strict risk parameters.
| Account Size | One-Time Fee | Profit Target | Daily Loss Limit | Max Drawdown | Max Contracts | Drawdown Mode | Reset Option | Consistency Rule |
|---|---|---|---|---|---|---|---|---|
| $25,000 | $349 | $1,750 | $750 | $1,250 | 3 minis / 30 micros | Trailing | None | 20% |
| $50,000 | $509 | $3,500 | $1,500 | $2,500 | 4 minis / 40 micros | Trailing | None | 20% |
| $75,000 | $699 | $5,250 | $2,250 | $3,350 | 5 minis / 50 micros | Trailing | None | 20% |
GFF includes all platform, data, and exchange fees in your challenge or account price—there are no hidden costs. You won’t pay extra for using third-party tools like NinjaTrader or for live data feeds. This is rare in the futures space, where most brokers pass these costs to the trader.
Commission is charged per contract, but GFF doesn’t publish exact values. Based on typical Rithmic/Tradovate setups, you can expect around $1.50–$2.50 per round turn. All asset classes follow the same per-contract fee model, which keeps things predictable but makes it harder to calculate exact cost-per-trade if you’re running a high-frequency strategy.
You can trade 55 CME futures instruments across all major asset classes. These are not CFDs, you get direct access to exchange-traded markets with tight spreads and institutional routing.
Supported contracts include S&P 500 (ES), NASDAQ (NQ), Dow (YM), Gold (GC), Crude Oil (CL), Natural Gas (NG), EUR/USD (6E), and softs like Corn and Coffee. All accounts support both full-size and micro contracts. While leverage isn’t published, GFF uses CME-aligned margin models. If you know standard futures specs, you’ll be comfortable here.
You get full access to GFF’s in-house platform, Project X, or can use third-party platforms like NinjaTrader, Quantower, Tradovate, and more. All accounts include real-time data and unrestricted platform use with no extra charges.
Project X includes order flow tools and DOM features, while external platforms allow custom charting, indicators, and automated strategies. GFF doesn’t officially confirm support for algos or EAs, so check first if automation is part of your setup.
Payouts are where GFF stands out. You keep 100% of your first $10K in profit, and 90% after that—rising to 95% once you reach GOAT Trader status. Instant Funding accounts can request payouts every 10 days after completing 6 trades, with a $250 minimum and limits based on account size.
Withdrawals are processed twice per month (5–8th and 20–23rd) via Riseworks and typically hit your account within 2–3 business days. Payout limits for Instant accounts range from $2,000 to $5,000 per cycle.
Goat Funded Futures ranks fifth overall for instant funding and is one of the only futures firms offering instant access to real CME markets. With no software fees, fast payout eligibility, and access to professional-grade platforms, it’s a rare find in this category.
However, it’s not for everyone. Strict rules, no resets, and weak support mean you need to be self-sufficient and confident in your trading. If that sounds like you, GFF is one of the best ways to trade futures with prop capital—no evaluation required.
Prop Firm Score
Challenge Types
Instant, One Step, Two Step
Trading Platforms
MetaTrader 5, cTrader, Match-Trader
Profit Payout
80% – 100%
Why Funding Pips is 6th for Instant Funding
Funding Pips ranks 6th in our instant funding lineup thanks to low entry fees and a massive Discord community. You can jump straight into trading with one of its Instant Funding models without a long evaluation. On the flip side, unexpected rule changes and extra platform fees can trip you up if you don’t read carefully.
Pros & Cons
Prop Firm Details
Funding Pips is a well-known name in the prop firm space with one of the largest online communities with a huge Discord server. However, recent testing and trader feedback highlight key concerns around unclear pricing and hidden conditions drop it a few places.
If you are seeking instant funding with higher transparency, we recommend FXIFY, which scored significantly higher and provide better structure and trader support.
Funding Pips offers four challenge types, but only one provides direct funded access:
All models include the firm’s scaling plan, where you can grow your account in four stages and unlock higher payout splits and capital up to $2 million.
Funding Pips has competitive base fees, but lacks transparency in several areas:
Funding Pips provides access to a range of financial instruments but imposes restrictive leverage:
While the variety of instruments is commendable, conservative leverage may not suit traders seeking aggressive strategies.
Funding Pips offers access to MetaTrader 5, Match-Trader, and cTrader.
The trading platform selection is strong on paper, but regional restrictions and extra costs for cTrader take away some of that value. All platforms come with real-time pricing and access to a wide range of instruments, but support for automation tools isn’t clearly documented.
Funding Pips offers profit splits from 80% to 100%, depending on your challenge model and performance tier. The “Hot Seat” level unlocks 100% payouts and a doubled account balance.
You can request a payout after earning a minimum of 1% profit on your funded balance. There is no upper withdrawal cap.
Payout methods include:
Reward requests are reviewed within 1 to 3 business days. Trading is paused while payouts are processed and resumes automatically once complete.
Funding Pips delivers solid value for traders seeking flexible challenge options, instant access, and the potential for high profit splits. But rule clarity remains a major drawback, especially in the Instant model, where strict conditions like floating loss caps and payout buffers are only revealed after purchase. If you want to trade with Funding Pips, read every rule carefully before you commit. The firm rewards consistency, but it doesn’t offer much margin for error.
Prop Firm Score
Challenge Types
Instant, One Step, Two Step, Three Step, Limited Time
Trading Platforms
MT5, TradeLocker, Match Trader
Profit Payout
65% – 100%c
Why AquaFunded is 7th for Instant Funding
AquaFunded is the seventh best instant funding prop firm, with a flexible account structure that supports both evaluation-free access and a wide range of challenge formats. It’s one of the few firms offering instant funding for accounts as large as $200K, but harsh post-funding rules like tight consistency limits and trailing drawdowns hold it back.
Pros & Cons
More About AquaFunded
AquaFunded’s instant funding program is split into Standard and Pro tiers. Standard accounts start at a 65% profit split, while Pro accounts begin at 90% and scale to 100% with optional add-ons. You can buy access to faster payouts (7-day cycle) and higher splits, but you’ll face consistency rules from day one, up to 40% depending on the account.
These are real funded accounts with no evaluation phase required, but payout eligibility requires five separate profitable days (each hitting 0.5%) and tight daily and max drawdowns apply.
AquaFunded offers true instant funding accounts from $2.5K to $200K. Here are the details for both tiers:
| Account Tier | Fee Range | Profit Split | Drawdown | Consistency Rule | First Payout |
|---|---|---|---|---|---|
| Standard | $147 – $502 | 65% (80% with add-on) | 3% daily / 6% trailing | 40% | After 5 profitable 0.5% days |
| Pro | $42 – $875 | 90% (100% with add-on) | 3% daily / 5% trailing | 15% | After 5 profitable 0.5% days |
AquaFunded uses raw ECN pricing with fixed commissions, being $5 per lot for forex, metals, and commodities, and zero commission for indices and crypto.
Instant funding accounts can access all major markets:
Leverage is capped at 1:50 for forex on instant accounts, and even lower for metals (1:10) and crypto (1:2). Stock and futures trading are not supported.
You can choose between MT5, Match Trader, or TradeLocker:
EAs, copy trading, and hedging are allowed across all platforms. However, automation must avoid arbitrage or tick manipulation strategies.
AquaFunded processes payouts through Riseworks on a 14-day cycle, or every 7 days if you buy the Fast Payout add-on. To qualify for your first withdrawal, you need to complete at least five profitable days, each generating a minimum 0.5% return. Payouts are only available once you’ve passed the account’s consistency filter – 15% for Pro accounts and 40% for Standard accounts. The minimum withdrawal amount is $100, and payments are made via crypto or bank transfer. While the structure is clear, some traders have reported delays and stricter enforcement of consistency rules after hitting payout thresholds.
AquaFunded has a Trustpilot score of 3.8 from over 900 reviews, with mixed feedback. Positive reviews mention fast support and flexible funding options, but complaints focus on payout processing issues and accounts being flagged for minor rule breaches. The firm doesn’t disclose its broker or liquidity provider and doesn’t reply to most negative reviews publicly. Its Discord community has over 30,000 members and remains active, but moderation is light and official responses are limited. For a firm offering large accounts and high payouts, transparency is still a concern.
AquaFunded ranks 7th for instant funding due to its flexible account options, zero platform fees, and high maximum account size. But tight profit rules, strict consistency filters, and limited transparency hold it back. If you want instant access and can handle rigid post-funding limits, it’s a workable option. but not the best for new or riskier traders.
Prop Firm Score
Challenge Types
Instant, One-Step, Two-Step, Three-Step
Trading Platforms
MT5, TradeLocker, Match Trader
Profit Payout
65% - 100%
Why GFT is 8th for Instant Funding
Goat Funded Trader offers instant funding from $2.5K to $100K, making it one of the more accessible options for live trading without a challenge. There are no profit targets, so you can start earning from day one—but stricter drawdown rules and profit caps limit how aggressively you can trade.
Pros & Cons
More About GFT
Goat Funded Trader supports One-Step, Two-Step, Three-Step, and Instant Funding account models. Challenges have no time limits, and funded accounts are available across a wide range of sizes from $2,500 to $200,000.
The Instant Funding model allows you to skip the evaluation phase entirely, but comes with tighter risk limits and higher starting fees. These accounts use simulated trading environments, not live market execution.
Rules are stricter post-funding, and many traders report frustration with how conditions change after being funded.
Goat Funded Trader’s instant and evaluation-based accounts range from $2,500 to $200,000. All models include daily and max drawdown rules, with the Instant Funding accounts typically having the most restrictive limits.
| Account Type | Instant (Goat) | Instant (Standard) | One-Step | Two-Step (Goat) | Two-Step (Standard) | Three-Step |
|---|---|---|---|---|---|---|
| Account Sizes | $5k - $100k | $2.5k - $50k | $15k - $200k | $5k - $150k | $5k - $200k | $10k - $200k |
| One Off Fee | $107 - $767 | $73 - $1,434 | $138 - $798 | $22 - $448 | $33 - $730 | $48 - $498 |
| Profit Target | No Target | No Target | 10% | 8% (Step 1) / 6% (Step 2) | 10% (Step 1) / 5% (Step 2) | 6% (Step 1) / 6% (Step 2&3) |
| Daily Drawdown | 3% | 4% | 4% | 4% | 5% | 4% |
| Max Drawdown | 6% | 8% | 6% | 10% | 10% | 8% |
| Time Limit | No Time Limit | No Time Limit | No Time Limit | No Time Limit | No Time Limit | No Time Limit |
| Reward Schedule | Bi-Weekly | Every 10 Days | Bi-Weekly (On-demand Add-On) | 1st Payout on Demand or every 30 Days | Bi-Weekly (On-demand Add-On) | Bi-Weekly (On-demand Add-On) |
| Leverage | Up to 50:1 | Up to 50:1 | Up to 1:30 | Up to 1:100 | Up to 1:100 | Up to 1:100 |
| Profit Split | 80% (100% Add-On) | 65%-95% (Triple Payday) | 80% (100% Add-On) | 80% (100% Add-On) | 80% (100% Add-On) | 80% (100% Add-On) |
Fees vary depending on account size and whether you select a Goat or Standard model. Profit splits start at 65% and can go up to 100% if you purchase add-ons.
Goat Funded Trader advertises raw pricing and spreads from 0.0 pips, but there’s no published spread data. Support staff also won’t confirm average spreads or liquidity sources.
Commission fees are low, with $2.50 per round-turn lot on forex. Commodities, indices, and crypto trades are commission-free, though traders should be aware of possible markups in spreads that aren’t disclosed.
For scalpers or cost-sensitive traders, the lack of transparency on actual execution costs is a key issue.
Goat Funded Trader supports trading on forex, indices, commodities, and crypto. Leverage depends on the challenge model and changes once funded.
During the evaluation stage:
Once funded, leverage is reduced:
Although GFT claims leverage can scale back to 1:100 based on performance, there’s no public criteria explaining how or when this happens.
Goat Funded Trader supports MT5, TradeLocker, and Match-Trader.
MT5 is best if you use EAs or advanced charting, but automation comes with restrictions. You’ll need to prove you own any EA you use and can’t switch strategies once funded.
TradeLocker and Match-Trader are better for discretionary traders. Both platforms are browser-based and mobile-friendly, but don’t support advanced automation or scripts.
MT4 is not available at all.
The first withdrawal can be requested after 30 days of trading in a funded account. For faster payouts, traders need to purchase an add-on.
The first two payouts are capped at 6% of your account balance. There’s also a $100 minimum withdrawal and a $3,000 daily cap.
While payouts are usually processed in 2–3 business days, several traders have reported delays or reduced payout amounts without clear explanations.
Goat Funded Trader offers instant access to funded accounts and high potential payouts, but falls short in key areas. The firm doesn’t disclose spreads or post-funding leverage for some accounts. Trading rules change after you’re funded, and payout terms are more complex than they first appear. If you’re looking for a prop firm with low entry fees, flexible models, and no time limits, GFT has appeal. But the lack of clarity around trading conditions, risk controls, and profits make it a high-risk choice.
Prop Firm Score
Challenge Types
Two Step, Instant
Trading Platforms
MT5
Profit Payout
Up to 80%
Why Audacity Capital is 9th for Instant Funding
Audacity Capital offers true instant funding with no evaluation, but the high upfront costs, low leverage, and fixed drawdown rules limit its appeal. Payouts are bi-weekly with up to 80% profit share, but there’s little transparency on execution quality or support.
Pros & Cons
More About Audacity Capital
Audacity Capital is one of the oldest firms in the prop space, with operations dating back to 2012. It claims to offer live capital, bi-weekly payouts, and up to 90% profit splits. But while it markets itself as a premium provider, real-world trader feedback and platform limitations tell a different story.
This UK prop firm uses aggressive marketing and brand trust, but it lags well behind newer competitors on transparency, pricing, and flexibility. Most of the key details—like spreads, commissions, or payout terms—aren’t clearly disclosed up front.
Audacity offers two core models:
Minimum trading days are set at 5, with at least 3 needing to be profitable. Leverage is fixed at 1:30, and account sizes start from $7,500. But there’s no reset option and no flexibility to retry if you break a rule.
For instant funding, there’s three account sizes from $7.5K – $60K:
| Account Size | Fee | Profit Target | Daily Drawdown | Max Drawdown | Leverage | Minimum Trading Days | Profit Split |
|---|---|---|---|---|---|---|---|
| $7,500 | $329 | 10% | 5% | 10% ($6,750) | 1:30 | 5 (3 must be green) | Up to 80% |
| $15,000 | $649 | 10% | 5% | 10% ($13,500) | 1:30 | 5 (3 must be green) | Up to 80% |
| $60,000 | $2,399 | 10% | 5% | 10% ($54,000) | 1:30 | 5 (3 must be green) | Up to 80% |
For traders used to modern evaluation firms, both models feel rigid and dated.
Audacity charges steep one-time fees ranging from $329 to $2,399 depending on the account size. There are no ongoing monthly fees, but the initial cost is among the highest in the industry.
There’s no public breakdown of spread data, commissions, or trading costs, making it hard to know what you’re really paying per trade.
You only have access to three asset classes being forex, indices, and gold. There’s no access to stocks, crypto, oil, or other common markets.
Leverage is capped at 1:30, and news trading is banned, even though this isn’t clearly highlighted until after signup. These restrictions severely limit how you can trade, especially for day traders or scalpers.
Only MetaTrader 5 (MT5) is supported. No cTrader or Match-Trader options are available. MT5 is reliable, but the lack of choice puts Audacity behind most top firms.
There’s also no confirmation on algo support or third-party tool access.
Audacity offers bi-weekly payouts and claims up to 90% profit share, but most traders will start at 80%, and the terms for reaching higher tiers are vague.
Payouts are handled in 2–4 days via manual processing, and reviews suggest occasional delays. There’s also no clear withdrawal minimum or method list published on the website.
Audacity Capital looks like a reliable prop firm on the surface but lacks the transparency and trader-friendly features now standard in the industry. Yet the firm only scored 30/100 no public pricing data, limited asset selection, and very high upfront costs.
Prop Firm Score
Challenge Types
Instant Funding, One-Step, Two-Step
Trading Platforms
MT5, TradeLocker, MatchTrader, DXTrade
Profit Payout
Up to 80%
Why FTUK is 10th for Instant Funding
FTUK offers true instant funding, but its low score comes from poor transparency, an outdated platform experience, and major concerns around rule enforcement. The firm was temporarily dissolved in 2023, and although it relaunched under new management, many traders still report account closures without clear justification.
Pros & Cons
More Details abotu FTUK
FTUK’s Instant Funding program lets you start with a live account immediately—no demo or challenge required. You choose from 3 sizes and can grow the account through their scaling plan up to $6.4M. However, the model is strict: leverage is fixed at 1:30, you must avoid news and weekend trading, and accounts are automatically breached at 10% drawdown.
FTUK does not operate as a broker and provides simulated accounts with internal execution—so you’re not trading real markets. This is a red flag for some traders.
Here’s a cleaner summary of FTUK’s Instant Funding accounts:
Minimum 5 trading days are required, with 3 needing to be profitable.
FTUK also offers a 7-tier scaling plan across all account types, starting at $5K and scaling up to $6.4M, but traders must hit 10% profit targets to progress. Profit splits also increase with each tier—from 50% up to 80%.
FTUK doesn’t publish live spread or commission data. Traders are told that pricing is “institutional-like” via their simulator but there is no broker transparency or public fee schedule. No swap-free options are confirmed, and spreads may be variable depending on market activity.
FTUK only supports Forex, Indices, and Gold. There’s no access to crypto, stocks, or futures. Leverage is capped at 1:30 across all markets, which is lower than most other instant funding firms.
Markets include:
FTUK only offers MetaTrader 5. There’s no access to MT4, cTrader, or TradingView. You can trade manually or with EAs, but off-the-shelf bots or grid/martingale systems are not allowed. News trading, weekend holding, and arbitrage strategies are also banned.
Payouts are available every 14 days once you’ve hit a profit. Traders keep up to 80% of profits, depending on the account and scaling level. Payments are made via crypto, bank, or Deel. Withdrawals can be cut or blocked for rule violations—FTUK reserves full discretion.
FTUK has faced scrutiny in recent months due to transparency concerns. The company was dissolved in the UK in 2023 but continues to operate under a new structure. It is not regulated and offers simulated trading only. Several traders have reported account closures and payout issues. No live broker is connected, and platform access may be revoked at FTUK’s discretion.
FTUK delivers on true instant funding, but it comes at a cost. Fees are steep, platform choice is limited, and execution is not in real markets. For traders focused on real trading experience, FTUK ranks last on our list.
Instant funding accounts skip the evaluation process entirely, providing traders with immediate access to trading capital after a one-time fee. Traders can begin live trading directly with a funded account, typically under a profit split agreement ranging from 70% to 90%.
These accounts come with specific risk controls, such as daily and maximum drawdowns, to balance earnings potential with risk management. Instant funding is ideal for traders looking for quick access to capital without a lengthy qualification phase.
We ranked the best instant funding prop firms using a structured methodology focused on key factors that impact trader success.
Unlike traditional prop firms that require an evaluation phase, instant funding programs allow traders to access capital immediately, so we prioritized firms that offer fair trading conditions, transparent fees, and reliable payouts.
Here’s our methodology when ranking the top instant funding prop firms:
Not every firm made the cut, despite offering instant funding programs, Lark Funding, Goat Funded Trader, and Alpha Capital were excluded due to concerns about trust, restrictive trading conditions, and a lack of transparency.
However, we did include Funding Pips, despite its low score during testing, due to its popularity, ensuring traders are aware of both its appeal and potential drawbacks. But remember, prop trading statistics show most traders lose money when participating in challenges.
Prop firm challenges are designed to assess traders’ skills and commitment by requiring them to achieve set profit targets under strict risk management rules.
These challenges often involve one or two evaluation phases where traders must meet profit objectives, such as 8-10% within a set period while respecting daily and overall drawdown limits. Successfully passing these challenges leads to a funded account, granting traders access to capital while adhering to ongoing risk parameters.
If you aren’t familiar with the prop industry, we recommend you learn more about prop trading firms and how challenges work before you buy an instant
FXIFY is the best instant funding prop firm, offering immediate access to capital with account sizes from $1,000 to $50,000. You skip the entire evaluation process – start trading the prop firms capital right away.
Backed by FXPIG, FXIFY offers low spreads, fees from $69 for instant funding acccounts, and up to 90% profit splits. With MT4, MT5, DXTrade, and TradingView trading platforms, plus a scaling plan up to $4 million, it’s also on the best broker-backed prop firm list for 2025.
Yes, instant funding prop firms are legitimate, but their reliability depends on their trading conditions, payout history, and transparency. Reputable instant funding firms like FXIFY and Funded Trading Plus provide real capital, fair profit share agreements, and clear rules. However, some other prop firms have hidden fees, unclear trading terms, or delayed payouts, making due diligence essential.
Funded Trading Plus (FTP) is the prop firm with one of the fastest payout systems, allowing withdrawals every 3, 5, or 7 days. This flexible schedule gives traders more frequent access to profits than most firms, which typically offer biweekly or monthly payouts. However, instant funding accounts do not guarantee instant payouts.
FXIFY offers one of the best profit splits in instant funding, reaching up to 90%, while also providing immediate capital access and a scaling plan up to $4 million. This makes it the top choice for traders looking for high earnings potential without an evaluation phase.
While The 5%ers and City Traders Imperium (CTI) offer scalable profit shares up to 100%, these require performance milestones and account growth over time. FXIFY, on the other hand, lets you start trading with a competitive 90% profit split immediately, making it the best instant funding option for maximizing payouts right away.
Yes, instant funding accounts do offer profit payouts, typically based on a profit share arrangement. Traders keep a percentage of the profits they generate, often between 80% to 100%, depending on the prop firm and account performance. Some firms have minimum withdrawal thresholds, while others offer faster payouts, such as weekly or biweekly.
There are many perks to funded forex accounts as you gain access to trading capital without risking your own money. Unlike self-funded CFD trading, proprietary trading firms allow traders to take larger positions with firm capital, enhancing profit potential while limiting personal financial exposure.
View our top 10 best prop firms forex list for a comparison of the top funded forex accounts.
Prop traders use risk management techniques so they can follow the strict guidelines set by prop firms, such as daily and max drawdown limits and required stop-loss orders. These techniques and trading rules help control losses and prevent excessive risk-taking on any single trade. Many firms also enforce position size limits and leverage restrictions to maintain a balanced risk profile and help traders pass prop challenges.
