Instant Funding is a UK-based proprietary trading firm launched in 2022. The firm focuses on giving traders instant access to trading capital without complicated hoops. Since its start, thousands of traders have joined the program, and payouts have been consistent. For anyone looking to build a career in prop trading, Instant Funding positions itself as a straightforward entry point.
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Is Instant Funding Legit?
Yes. Instant Funding is a registered UK company and operates within legal business frameworks. Prop firms don’t fall under the same heavy regulation as traditional brokers, but that doesn’t mean they’re a scam. During our review, we opened an account, tested the process, and found everything to be transparent. Trustpilot reviews and community feedback also back up their legitimacy.
Account Size
| Account Size | Price | Trading Days | Profit Target |
|---|---|---|---|
| $625 | $44 | Unlimited | Unlimited |
| $1,250 | $79 | Unlimited | Unlimited |
| $2,500 | $120 | Unlimited | Unlimited |
| $5,000 | $225 | Unlimited | Unlimited |
| $10,000 | $440 | Unlimited | Unlimited |
| $20,000 | $870 | Unlimited | Unlimited |
| $40,000 | $1,735 | Unlimited | Unlimited |
| $80,000 | $3,460 | Unlimited | Unlimited |
Account Types and Trading Models
Instant Funding keeps things flexible with three main routes to funding:
Instant Funding Account
- No evaluation or challenge.
- Account sizes: $625 up to $80,000.
- No time limits, no profit targets.
- Max loss: 10% overall.
- Profit split: 70–90%.
One-Phase Account
- Single evaluation with a 10% profit target.
- Account sizes: $5,000 to $200,000.
- Unlimited trading days.
- Max daily drawdown: 3%.
- Max overall loss: 10%.
Two-Phase Account
- Two-step evaluation (8% + 5% profit targets).
- Account sizes: $5,000 to $200,000.
- Unlimited trading days.
- Max daily drawdown: 4%.
- Max overall loss: 10%.
Payouts
- First payout: 14 days after your first trade.
- After that: weekly (every Monday).
- Minimum withdrawal: $25.
- Processing: 24 hours (business days).
- Payment method: Rise Pay.
Trading Platforms
MT4 – The industry’s most popular platform. Known for its stability, simple interface, and wide support for custom indicators and automated strategies (EAs). Ideal for traders who want a proven, no-frills solution.
MT5 – The modern upgrade to MT4. It offers faster processing, additional order types, more advanced charting, and support for multiple asset classes. A solid choice if you want more flexibility and speed.
cTrader – A professional-grade platform with a sleek design. Traders get access to detailed charting tools, advanced order features, depth of market (DOM), and fast execution. It’s favored by those who want precision and transparency.
MatchTrader – A web-based platform built with simplicity in mind. It’s lightweight, easy to navigate, and requires no downloads. Perfect for prop traders who value quick setup and straightforward functionality.
Final Verdict
Instant Funding is not the biggest name in the prop firm world, but it’s carving out space by offering instant capital and a simple structure. The flexible account options, fair profit splits, and smooth payouts make it worth considering if you’re confident in your trading.
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