We reviewed the best prop firms offering instant funding programs

 

Who Are The Top Prop Firms With Instant Funding?

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.

1. FXIFY Best Instant Funding Prop Firm

Best Instant Funding Prop Firm

Prop Firm Score

83

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

  • Instant funding accounts from $1K
  • Low fees and spreads from 0 pips
  • News trading allowed
  • Broker backed proprietary trading firm
  • Trailing drawdown may not suit all
  • Max trading account 50K for instant
  • Stocks only on MetaTrader 5
  • Minimal educational materials

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.

fxify rating and key details

Account Options

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 SizeFeeDaily 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.

Trading Fees

FXIFY’s fee structure combines competitive spreads with low commission costs:

  • Spreads: Starting from 0.0 pips on Forex pairs during peak trading times, though spreads can widen in low-liquidity periods.
  • Commissions: $3 per lot on Forex trades, which is lower than many competitors offering similar instant funding options.

This setup is ideal for traders prioritising cost-effective trading, particularly during high-liquidity market hours.

Markets and Leverage

FXIFY’s instant funding accounts grant access to a range of financial instruments:

  • Forex Pairs: 42 currency pairs, including majors, minors, and exotics.
  • Indices: 13 global indices such as S&P 500 and NASDAQ 100.
  • Commodities: Gold, silver, and oil available on MT4 and MT5.
  • Cryptocurrencies: Includes Bitcoin, Ethereum, and Ripple (available only on MT4 and MT5).

The default leverage for instant funding is capped at 30:1 for forex and gold.

Platforms

FXIFY supports three trading platforms: MetaTrader 4 (MT4), MetaTrader 5 (MT5), and DXTrade with TradingView integration. Platform access depends on the account type.

  1. MT4 is available on One, Two, and Three Step accounts only.
  2. MT5 is available on all accounts, including Instant Funding and Lightning Challenge.
  3. DXTrade is available on all accounts except Lightning.

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.

Payouts

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.

Trust

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.

Verdict on FXIFY Instant Funding Accounts

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.

FXIFY ReviewVisit FXIFY

2. Funded Trading Plus $100K Instant Funding Account

$100K Instant Funding Account

Prop Firm Score

77

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

  • Instant funding with no evaluation
  • Upgradable profit splits up to 90%
  • Payouts every 3, 5, or 7 days
  • $25 fee for cTrader access
  • Higher fees for instant funding
  • Initial support bot can be limited

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.

funded trading plus rating and key details

Account Options

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 SizeOne-Time FeeStarting Profit SplitMax DrawdownDaily Drawdown
$5,000$22580% (upgradable to 90%)6%3%
$10,000$45080% (upgradable to 90%)6%3%
$25,000$1,12580% (upgradable to 90%)6%3%
$50,000$2,25080% (upgradable to 90%)6%3%
$100,000$4,50080% (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:

  • One-Phase Challenge: This single-step evaluation requires traders to meet a 10% profit target without undergoing additional stages. This program is suitable for confident traders ready to meet profitability criteria in one go, with fees starting at $119.
  • Two-Phase Challenge: FTP’s Two-Phase Challenge offers a structured assessment over two stages, with a lower profit target in the second phase to reduce pressure. This challenge provides a more gradual path to funding, appealing to traders seeking time and flexibility to demonstrate their trading skills. Fees range from $199 to $1,097, depending on the account size.

Trading Fees

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.

Financial Markets

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.

  • Forex: FTP offers 37 currency pairs, covering major, minor, and exotic pairs, with leverage of up to 30:1. We found this adequate for traders focused on Forex, though others may prefer firms with an even broader range.
  • Commodities: FTP includes Gold, Silver, and Oil, with leverage up to 10:1, providing options for commodity traders who value high liquidity.
  • Indices: FTP offers eight major global indices, with leverage up to 20:1 on most platforms, though cTrader limits this to 10:1. This slightly lower leverage may suit traders seeking a more conservative approach on cTrader.
  • Cryptocurrencies: FTP includes four crypto pairs with leverage of up to 2:1, offering access to this high-volatility market but at a cautious leverage level, which suits the risk associated with crypto trading.

Platforms

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.

  1. MT4 and MT5: These widely used platforms support automated trading with Expert Advisors (EAs) and offer a solid range of charting and analytical tools.
  2. Match-Trader: Integrated with TradingView, Match-Trader was especially effective for traders who rely heavily on technical analysis.
  3. cTrader: With its advanced tools and Level II pricing, cTrader provides deep insights but does come with a $25 access fee.
  4. DXTrade: FTP’s default platform, which was generally functional, though it experienced minor delays in high-traffic times.

Payouts

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.

Support

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.

Trust

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.

Final Verdict on FTP

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.

Funded Trading Plus ReviewVisit Funded Trading Plus

3. Hantec Trader Broker Backed Prop Firm with Instant Funding

Broker Backed Prop Firm with Instant Funding

Prop Firm Score

75

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

  • Instant funding with no challenge required
  • Weekly and bi-weekly payouts available
  • MT4 and MT5 platforms
  • Crypto leverage limited to 1:1
  • Instant accounts do not scale
  • No platform switching once started

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.

hantec trader key details and rating

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%.

Instant Funding Account Options

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 SizeFee (USD)Profit TargetDaily Loss (6%)Max Loss (6%)Drawdown TypeProfit SplitPayout Timing
$5,000$69None$300$300Trailing → Static75–90%7 or 14 Days
$10,000$99None$600$600Trailing → Static75–90%7 or 14 Days
$25,000$199None$1,500$1,500Trailing → Static75–90%7 or 14 Days
$50,000$299None$3,000$3,000Trailing → Static75–90%7 or 14 Days
$100,000$499None$6,000$6,000Trailing → Static75–90%7 or 14 Days
$200,000$1,999None$12,000$12,000Trailing → Static75–90%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.

Trading Fees

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.

Markets and Leverage

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.

  • Forex: 40 currency pairs with up to 50:1 leverage.
  • Metals: 8 products including gold and silver, with 20:1 leverage.
  • Indices: 11 global indices like US30, SPX500, and GER40, with 15:1 leverage.
  • Commodities: Only 2 markets available, typically oil and gas, with 15:1 leverage.
  • Crypto: 14 digital assets including BTC and ETH, but limited to 1:1 leverage.

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.

Trading Platforms and Rules

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:

  • No automated trading: Expert Advisors (EAs), algos, and bots are not allowed.
  • No weekend holds: Positions must be closed before the Friday market close.
  • No news scalping: Trades must not be opened within 3 minutes of high-impact news.
  • No forced stop loss: You’re not required to use one, but it’s recommended.
  • No minimum trading days or consistency rules: You control your pace entirely.
  • Buffer rule applies: Your new drawdown cap resets after each payout.

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

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:

  • Bank transfer
  • PayPal
  • Cryptocurrency (Bitcoin, USDT, etc.)

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.

Verdict on Hantec Trader

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.

4. City Traders Imperium Instant Funding Forex Prop Firm

Instant Funding Forex Prop Firm

Prop Firm Score

72

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

  • Competitive profit shares to 100%
  • Solid educational resources
  • Strong prop trading community
  • Higher fees than FTP
  • Limited platform options
  • Low max account size of $80k

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.

city traders imperium rating and key details

Account Options

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 SizeFeeStarting Profit SplitMax Profit SplitMax Drawdown
$5,000$29980%100%6%
$10,000$59980%100%6%
$20,000$1,19980%100%6%
$40,000$2,39980%100%6%
$80,000$4,79980%100%6%

As well as instant funding accounts, CTI also offers one and two step challenges.

  1. The 1-Step Evaluation Process – a simplified path to funding with only one evaluation phase. Traders are required to reach a 10% profit target without any set minimum trading days, offering quick access to funding. Fees range from $69 to $1,499, depending on the account size selected.
  2. The 2-Step Evaluation Process – provides a more gradual assessment over two phases, with traders needing to meet profit targets at each stage (typically 10% in Phase 1 and 5% in Phase 2). There is no time limit, adding flexibility, and fees start at $39. This option is well-suited for those who prefer a structured pathway to funding with easier risk management targets over time.

Trading Fees

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.

Financial Markets

City Traders Imperium gives traders access to 50 markets across four main asset classes, making it a versatile choice:

  1. Forex: 28 pairs with up to 1:30 leverage, covering major, minor, and exotic pairs.
    Commodities: Including Gold, Silver, and Oil with leverage at 1:10.
  2. Indices: 13 global indices, with leverage up to 1:10 across all account types.
  3. Cryptocurrencies: Six crypto assets with 1:2 leverage, providing controlled exposure to this volatile market.

Platforms

CTI offers just two trading platform options:

  • MetaTrader 5 (MT5): This is popular for its technical indicators, automated trading tools, and depth of market information, ideal for advanced traders.
  • Match-Trader: A simpler, user-friendly platform for traders who prefer straightforward features, including essential order types and basic analysis tools.

Payouts

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.

Our Final Verdict on CTI

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!).

City Traders Imperium ReviewVisit City Traders Imperium

5. Goat Funded Futures Instant Funding Futures Account

Instant Funding Futures Account

Prop Firm Score

65

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

  • True instant funding for futures
  • Keep 100% of first $10K in profit
  • No platform, data, or exchange fees
  • No resets or retakes if you break rules
  • Strict 20% per-day consistency rule
  • Payouts restricted to two windows per month

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.

Account Options

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 SizeOne-Time FeeProfit TargetDaily Loss LimitMax DrawdownMax ContractsDrawdown ModeReset OptionConsistency Rule
$25,000$349$1,750$750$1,2503 minis / 30 microsTrailingNone20%
$50,000$509$3,500$1,500$2,5004 minis / 40 microsTrailingNone20%
$75,000$699$5,250$2,250$3,3505 minis / 50 microsTrailingNone20%

Trading Fees

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.

Financial Markets

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.

Trading Platforms

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

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.

Final Verdict

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.

6. Funding Pips Low Fee Instant Funding

Low Fee Instant Funding

Prop Firm Score

62

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

  • High profit splits scaling up to 100%
  • Strong community presence on Discord
  • Reports of inconsistent rules
  • $20 fee for cTrader platform

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.

Account Options

Funding Pips offers four challenge types, but only one provides direct funded access:

  1. Instant Funding (Zero): This is the only model that skips evaluation entirely, giving you a funded account from day one. But there’s a catch. Before you can request any payout, you must first hit a 3% profit buffer, then earn another 1%, so the real target is 4%. There’s also a strict 1% floating loss limit and a 15% consistency rule, which aren’t clearly explained at checkout. News and weekend trading are banned, and the overall margin for error is tight. This model works best if you trade small and stay consistent.
  2. One Step Challenge: A single-phase model that looks simple at first, but the funded phase applies a 3% per-asset limit that isn’t disclosed upfront. This has led to unexpected account breaches for some users.
  3. Two Step Challenge (Standard): The more forgiving option with no consistency rule and the ability to customise your Phase 1 profit target. It’s designed to give you some flexibility in how you pass.
  4. Two Step Challenge (Pro): A stricter version aimed at experienced traders, with tighter drawdowns and a 45% consistency rule enforced throughout. Not beginner-friendly.

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.

Trading Fees

Funding Pips has competitive base fees, but lacks transparency in several areas:

  • Challenge Fees: $29 to $499 based on account size and model.
  • Forex Commission: $5 per round-turn lot (all models except Zero)
  • Instant Model Forex Commission: $7 per lot
  • Crypto Commission: 0.04% per trade (all models)
  • Indices, Commodities, Oil: Commission-free
  • Spreads: Not published, only visible via live test account; hard to estimate exact cost.

Markets and Leverage

Funding Pips provides access to a range of financial instruments but imposes restrictive leverage:

  • Forex: Major, minor, and exotic pairs with leverage up to 1:100 (standard accounts) or 1:50 (pro accounts).
  • Commodities: Metals like gold and silver (1:20 leverage) and oil (1:10 leverage).
  • Indices: Global indices, including NASDAQ and S&P 500, with leverage up to 1:20.
  • Cryptocurrencies: Bitcoin and Ethereum with leverage limited to 1:2.

While the variety of instruments is commendable, conservative leverage may not suit traders seeking aggressive strategies.

Platforms

Funding Pips offers access to MetaTrader 5, Match-Trader, and cTrader.

  • MT5 is available on most challenge models and is well-suited to both discretionary and automated trading.
  • Match-Trader provides a lightweight interface with essential tools for basic strategy execution.
  • cTrader includes more advanced charting and order features but costs an extra $20 to activate, and is not available for US traders.

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.

Payouts

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:

  • Instant Card Payments: Funds are sent to Visa or Mastercard, typically within 30 minutes once approved. Delays up to 48 hours can occur depending on the bank.
  • Cryptocurrency: No minimum amount required. Subject to exchange and processing fees.
  • Rise Platform: Requires a $500 minimum and full KYC onboarding. Payouts can be sent to a crypto wallet or bank account.

Reward requests are reviewed within 1 to 3 business days. Trading is paused while payouts are processed and resumes automatically once complete.

Verdict

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.

7. AquaFunded Flexible Challenge Models

Flexible Challenge Models

Prop Firm Score

55

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

  • Instant funding up to $200K
  • Scaling plan up to $2 million
  • Strict 15–40% consistency rules post-funding
  • Payouts handled by third party

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.

Account Options

AquaFunded offers true instant funding accounts from $2.5K to $200K. Here are the details for both tiers:

Account TierFee RangeProfit SplitDrawdownConsistency RuleFirst Payout
Standard$147 – $50265% (80% with add-on)3% daily / 6% trailing40%After 5 profitable 0.5% days
Pro$42 – $87590% (100% with add-on)3% daily / 5% trailing15%After 5 profitable 0.5% days

Trading Fees

AquaFunded uses raw ECN pricing with fixed commissions, being $5 per lot for forex, metals, and commodities, and zero commission for indices and crypto.

Financial Markets

Instant funding accounts can access all major markets:

  • Forex: 28 pairs
  • Metals: 2 instruments
  • Indices: 7 global indices
  • Commodities: 2
  • Crypto: 4 tokens

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.

Trading Platforms

You can choose between MT5, Match Trader, or TradeLocker:

  1. MT5: Advanced tools + full EA support
  2. Match Trader: Modern UI + no commissions on crypto/indices
  3. TradeLocker: Beginner-friendly web platform

EAs, copy trading, and hedging are allowed across all platforms. However, automation must avoid arbitrage or tick manipulation strategies.

Payouts

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.

Trust

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.

Final Verdict

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.

8. Goat Funded Trader MT5 Instant Funding

MT5 Instant Funding

Prop Firm Score

42

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

  • Up to 100% profit splits available
  • Wide account size options
  • Payout issues and complaints reported
  • MT4 not supported

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.

Account Options

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 TypeInstant (Goat)Instant (Standard)One-StepTwo-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 TargetNo TargetNo Target10%8% (Step 1) / 6% (Step 2)10% (Step 1) / 5% (Step 2)6% (Step 1) / 6% (Step 2&3)
Daily Drawdown3% 4%4%4%5%4%
Max Drawdown6% 8%6%10%10%8%
Time LimitNo Time LimitNo Time LimitNo Time LimitNo Time LimitNo Time LimitNo Time Limit
Reward ScheduleBi-WeeklyEvery 10 DaysBi-Weekly (On-demand Add-On)1st Payout on Demand or every 30 DaysBi-Weekly (On-demand Add-On)Bi-Weekly (On-demand Add-On)
Leverage Up to 50:1Up to 50:1Up to 1:30Up to 1:100Up to 1:100Up to 1:100
Profit Split80% (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.

Trading Fees

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.

Markets and Leverage

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:

  • Two-Step and Three-Step: Up to 1:100 on forex
  • One-Step: Capped at 1:30
  • Indices/Commodities: 1:20
  • Crypto: 1:2

Once funded, leverage is reduced:

  • Instant and Two-/Three-Step funded accounts drop to 1:50
  • One-Step funded leverage is unclear and not confirmed by support

Although GFT claims leverage can scale back to 1:100 based on performance, there’s no public criteria explaining how or when this happens.

Platforms

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.

Payouts

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.

  • Standard schedule: Every 30 days
  • Bi-weekly (add-on): Every 14 days
  • Early payout (Reward on Demand): 40% of profits after 3 trading days

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.

Verdict on Goat Funded Trader

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.

9. Audacity Capital $7.5K Instant Funding Account

$7.5K Instant Funding Account

Prop Firm Score

30

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

  • Live accounts, no demo phase
  • Scaling plan up to $2 million
  • Very high upfront costs
  • No news trading allowed

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.

Account Options

Audacity offers two core models:

  1. Funded Trader Program: No challenge required. You pay a large upfront fee and get access to a live trading account.
  2. Ability Challenge: A two-step evaluation with a 10% profit target, 5% daily drawdown, and 10% overall drawdown.

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 SizeFeeProfit TargetDaily DrawdownMax DrawdownLeverageMinimum Trading DaysProfit Split
$7,500$32910%5%10% ($6,750)1:305 (3 must be green)Up to 80%
$15,000$64910%5%10% ($13,500)1:305 (3 must be green)Up to 80%
$60,000$2,39910%5%10% ($54,000)1:305 (3 must be green)Up to 80%

For traders used to modern evaluation firms, both models feel rigid and dated.

Trading Fees

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.

Markets and Leverage

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.

Platforms

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.

Payouts

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.

Verdict

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.

10. FTUK DXTrade Instant Funding

DXTrade Instant Funding

Prop Firm Score

20

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

  • Good trading platforms
  • Add-ons available
  • Vague trading rules
  • High fees and low transparency

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.

Account Options

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%.

Trading Fees

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.

Financial Markets

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:

  • Major/Minor/Exotic FX pairs
  • Major Indices
  • Gold (XAUUSD)

Platforms

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

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.

Trust

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.

Final Verdict on FTUK

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.