10 Best Instant Funding Prop Firms

Prop trading firms that offer instant funding let traders like yourself get started with firm capital right away. You don’t have to pass that classic lengthy evaluation or “challenge” first that gets in the way of your gains.  

There are plenty of options out there, though - not to mention scams - so how are you meant to know which instant funding prop firm to settle on? We’ve put together a list of our 10 best prop firms with instant funding - you’ll learn everything from their primary strengths to how to choose the right firm for your needs.

So, are you ready to skip straight to live trading? See our list of top instant funding prop firms and how they compare here.

10 Best Instant Funding Prop Firms

Every option we’re about to cover here is a bit different from the last, but the thing they do share is a way to bypass that traditional evaluation phase and give you access to funded accounts immediately. 

Learn everything from their backgrounds and funding offers to profit splits and any standout features right here:

1. Atlas Funded

Atlas Funded is easily our top pick for instant funding. You’ll be getting an exceptionally trader-friendly model with flexible funding options if you choose our prop firm. You’ve got options, too - you can either take a one-step “Access” challenge (there isn’t an upfront fee until you pass) or you can opt for direct instant funding to start trading live capital immediately. 

We provide accounts up to $400,000 in capital, and there’s also a 100% profit split option if you want to upgrade (the standard option we have is 80%). This means you’re keeping all of your profits! 

We see a lot of instant funding prop firms making traders wait to pay out, which is obviously a hassle, so we’re giving you the option of on-demand payouts: you can request a withdrawal at any time, and Atlas guarantees payment within 24 hours, or we’ll pay you an extra $1,000 as a bonus. We’re that confident.

Our risk rules are also pretty straightforward - for instance, daily and overall drawdowns are clearly defined (e.g. a 5% daily loss limit on some accounts), but there are no consistency rules or time limits that pressure your strategy like with other firms. 

Did we mention that we also had a 4.0/5 Trustpilot rating from hundreds of reviewers? Give our service a go and see what got us there today.

Pros

• Skip challenges and get funded up to $400,000 instantly
• No waiting period to trade live capital
• No minimum trading days or strict time limits
• Transparent, instant payouts available

Cons

• Our 50%-off funding fee promo is only available temporarily

2. OFP Funding

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Next up, we’ve chosen OFP Funding (Overview Funding Program) as our second-best option. It also gets points for being one of the first true instant funding prop firms. 

Similarly to our firm, you’ve got the option of trading with live accounts without any initial evaluation, so that’s ideal if you’re looking for a seamless entry into prop trading.

You can choose account sizes from as low as $5,000 up to $300,000, which is still an impressive range - even though it’s less capital than Atlas Funded. But a similarity it does share with ours is the 100% profit split on its instant funding accounts. We’ve mentioned that twice already, but the option for you to keep all your profits is genuinely quite a rare feature in the industry, so it’s earned such a high position in our ranking due to that. 

There are no profit targets to hit and no daily drawdown limits on many accounts, though overall risk limits apply to protect against major losses.

Interestingly, there’s even a multilingual dashboard and support (English, Spanish, Portuguese, Italian), so we can see how they accommodate a global trader base - not just a small niche in the UK, where it was founded. 

Essentially, you’re getting most of the same features as with Atlas Funded, but the lower account size does take it down a notch. Still, a quality option that’s worth your time.

Pros

• Accounts available from $5k up to $300k
• Traders on instant accounts keep 100% of profits (the firm earns from fees instead)
• No set profit targets or time limits

Cons

• No scaling path beyond the $300k cap

3. FundYourFX

FundYourFX is another fairly popular instant funding prop firm, but we like this one because it’s mainly tailored for forex traders. It offers tiered funding and profit-sharing - you can start with accounts as low as around $2,500 if you’re inexperienced, but the reason it’s so high on this list is because of how much you can scale these accounts in capital over time. 

For example, that $2,500 account we just mentioned caps out at about $75,000, but if you choose their most popular option - $200k in instant capital - your max capital growth is $6m. Outrageous stuff. That latter account does cost $6,139 to set up, but they’re running a 40% off promo, which helps make up for it.

And as mentioned, instant funding forex prop firms like this cover a broad range of assets (forex, commodities, indices, crypto), so you’re not limited to just one market. One of the only major downsides we found is that FundYourFX isn’t available to U.S. clients, so this, combined with some of the steep account costs, is why we don’t rate it higher.

That said, it’s still a decent instant funding choice if you’re outside the U.S. and want significant capital growth - give it a try and see what you think.

Pros

• Tiered profit split rises to 95%
• Instant funding with quick setup
• First $5k in profits is 100% yours (which is quite unique!)

Cons

• Not open to U.S. residents and is limited to Match-Trader. 

4. City Traders Imperium (CTI)

Moving on, let’s look at City Traders Imperium, or CTI, which is a London-based prop firm (launched in 2018) that’s got a good focus on trader development (user support is a big deal in these ratings!). 

Similar to Atlas, we like CTI because it offers both challenge programs and Direct Funding (instant) options, which gives you the choice to skip evaluations. Now, you’ve got two options when it comes to the instant funding - you can start trading with accounts from $1,250 up to $2,500 for a $69 fee, but if you pay just a bit extra ($299), you can get an account with a starting balance of $5,000.

Both of those are just the budget options - you can actually get an account with an $80,000 starting balance if you pay the $4,799. Sure, the fees here are fairly steep, but there is a profit split of up to 100%.

That said, there is also a 10% profit target that we’re not so fond of, which takes it down a notch. And because of the regulatory state in the U.S. (a common theme here, through no fault of CTI), they also don’t accept American clients (due to regulatory reasons). City Traders Imperium is still a highly reputable option, but do keep those flaws in mind.

Pros

• Direct funding - skip evaluations
• Profit split can hit 100%.
• Scaling route up to $4M.

Cons

• Must lock in 10% profit at every tier before scaling, which slows your growth down.

5. FTUK (Funding Traders UK)

You can start with an account as small as $5,000 and scale all the way up to a massive $6.4 million in capital with FTUK, which, alongside the average payout times of 60 minutes (possibly the lowest on this instant funding prop firm list), earns it a spot here.

Those figures alone would actually put it on our top 3, but the fact that you can only keep up to 80% of the profits you earn, when the best instant funding prop firms are 100%, is a huge issue. 

But most of the issues stop there, because FTUK allows a high degree of trading freedom: there aren’t any minimum trading days required, and you’re even permitted to hold trades over weekends and trade during news events (many firms restrict this).

FTUK also supports all your favorite trading platforms (from MT4 to MT5) and gives you a straightforward dashboard to use. So, we’d suggest being wary if you were hoping to make massive gains - especially if you’re shelling out $1499 to access the $100,000 account - but otherwise, this is a great platform.

Pros

• Instant accounts can grow to $6.4 M
• Add-ons let you customize leverage/risk
• Supports both forex and futures

Cons

• Profit split starts at 50% until you scale

6. Funded Trading Plus (FT+)

Next up is Funded Trading Plus, which is a prop firm based in London that offers a variety of programs - all the best firms usually do, so this is not necessarily unique. Their instant funding option is called the “Master Program.” 

They offer one and two-phase challenges, but you’re here for the instant accounts, which allow you to start trading immediately with no profit target and come with an 80% starting profit split, which can increase to 90% or even 100% as you hit certain profit milestones. 

Immediately, you can see the benefits Funded Trading Plus has over FTUK with those profit splits, but the 3-7 day payout length here is a drag and can get in the way of your account growth. You also can’t hold a trade over the weekend.

But FT+ also supports a variety of trading platforms beyond just MT4/MT5 - including cTrader and MatchTrader - and even has 24/7 live support for traders, so we still rate it higher than some of the last options on this list. And with a high Trustpilot rating of 4.7/5 from thousands of reviews backing its credibility, you know it’s a reliable firm worth exploring.

Pros

• Day-0 payouts on the Master Trader (instant) account
• Withdrawals every 7 days thereafter
• Split escalates from 80% to 90% to 100% at 20% and 30% profit

Cons

• 6% daily & overall simulated-loss limits demand tight risk control

7. The 5%ers

The 5%ers is actually one of the more well-established prop firms on this list (founded in 2016), and they’re known for their “Hyper Growth” program, which lets you start with a live funded account and scale it up to $4 million over time without any deadlines. And unlike many firms, even some that are higher on this list, The 5%ers don’t impose time limits on hitting profit targets - you can take as long as needed, which removes a lot of pressure. 

There is, technically, an “assessment” phase, but you are actually trading a live account and earning real profit splits on any gains. This means it’s instant funding in practice - you’re using real funds from day one and not a demo.

We appreciate that that’s not for everyone, and alongside the profit split typically starting at around 50% to the trader, we’ve put it further down this list. There is, however, excellent customer support and some great bonuses - 2x your account on every milestone, for instance - so definitely still check The 5%ers out if you want a mix of instant funding and structured scaling, with the safety of a firm that’s been around for many years. 

Pros

• Double account every 10% up to $4M 
• Profit share can reach 100%
• No daily stop-loss & unlimited time to pass

Cons

• Leverage is capped at 1:30, which is quite low compared to its competitors.

8. Instant Funding

Instant Funding lives up to its name: you can open a live account immediately - no challenge, no targets, no time limits. In fact, the firm already supports 65,000+ trades in 180 countries and holds a solid 4.5-star Trustpilot rating, so it would actually be higher than The 5%ers if the account sizes started from a higher amount. 

Currently, they start from just $625 and scale to $300,000, and while there is a pathway to manage up to $3.84 million through performance-based scaling, the profit splits are at just 80%.

Payouts also unlock 14 days after your first trade and can then be requested weekly, which isn’t as instant as some of the other options here. Still, they have no minimum trading-day requirements, which we like as it gives seasoned traders plenty of breathing room. The 1:100 leverage on FX and the fact that news/weekend trading is allowed are also impressive.

Pros

• Live accounts from $625-$300k without any evaluation
• Profit split can eventually be upgraded to 90%
• 10% max drawdown, no daily loss cap

Cons

• Weekend holding requires a paid add-on

9. FXIFY

FXIFY is one of the newer prop firms (launched in 2022) on the market, but they’ve grown in size quite quickly by offering instant funding with low entry costs and decent profit terms. FXIFY’s Instant Funding program lets you start with account sizes ranging from a few thousand dollars up to about $50,000 (for initial purchase) and the ability to combine or scale accounts up to $400,000 in starting capital. 

The profit split goes up to 90% for the trader, which is alright, but the top options on this list are closer to 100%. A big selling point of FXIFY is the first withdrawal on demand - you can actually request a payout as soon as you’ve made profits without needing to wait a certain period. They also don’t enforce a minimum trading duration, so if you make quick profits, you’re free to withdraw.

Risk management is still in place, though - typically an 8% maximum drawdown (often trailing) and 4% daily loss limit on accounts, so it’s not as unrestricted as some of the other options here. 

Still, it’s a fairly solid option for traders who want flexibility in trading strategies and a high profit share without paying all the exorbitant fees upfront we’ve come to expect from instant funding prop firms (plans start around $69 for small accounts).

Pros

• Up to 90% split and an instant funding program
• First payout on demand (evaluation) or every 14 days (instant)
• MT4/MT5, DXTrade & TradingView supported

Cons

• Instant-funding account sizes top out at $50k

10. Traders With Edge

None of the options we’ve covered today are bad, but Traders With Edge is probably the ‘worst of the best.’ You’ve got the option of both challenge programs and instant funding options here, with their instant funding accounts letting more experienced traders start with live capital immediately, in exchange for a slightly lower profit share. 

You can choose account sizes starting from $2,500 up to $40,000 for instant funding, and they offer scaling opportunities to reach up to $3,000,000 in allocated capital over time. The profit split on standard funded accounts can go up to 80% for traders. That’s already not great, but the instant funding accounts come with a 50% profit split initially, which is why it’s last on our list. 

This 50/50 split for instant accounts is a trade-off for getting to skip the evaluation - it’s basically how the firm manages risk for unproven traders. However, as you prove profitability, you can actually negotiate or move into higher profit share programs.

They also have some unique plans like “Standard” vs “Aggressive” instant funding, where aggressive accounts let you trade with higher leverage at the cost of a lower drawdown. And Traders With Edge has quite a supportive community where you can chat with other traders.

The profit share for instant funding is definitely lower at the start than other options here, but this firm is still a good choice for skilled traders who want a sizable account quickly (up to $1M in one go) and are confident they can perform.

Pros

• Instant funding from $2.5k, which you can scale to $3M
• Wide asset coverage (FX, crypto, indices, commodities, equities)
• Fortnightly payouts with an 80% split on scaled accounts

Cons

• Instant funding split starts at just 50%

Benefits of Instant Funding Prop Firms

What’s so special about instant funding prop firms? What is it they can offer you in comparison to traditional evaluation-based firms:

Immediate Access to Capital

The most obvious benefit is that you can start trading live capital right away, since you won’t have to spend weeks on all the demo challenges you’re normally forced to do. You’re trading real funds the moment your account is approved, so you’re not sitting there on the sidelines in the middle of a bull market.

No Time Pressure or Challenges

You’ll be avoiding a lot of the strict time limits and performance pressures that we see with evaluations. There’s no requirement that you hit an 8-10% target in 30 days or worry about a single mistake voiding your whole challenge. 

So, now, you’ve got a lot more flexibility, which means you can trade at your own pace and use your preferred strategies (could be during news or holding longer-term positions, for example, if the firm’s rules allow).

Reduced Personal Financial Risk

You’re not actually risking any of your own money with a prop firm providing the capital. Other than the sign-up fee (even then, a lot of firms absorb losses beyond that), which is essentially your only real financial exposure here. 

This one’s self-explanatory. A significant amount of stress gets lifted off your shoulders while you’re trading, so now you’re focusing on strategy instead of emotion.

Scaling Opportunities

Loads of these firms offer scaling plans, even for instant-funded accounts. As you start showing consistent profits, the firm will actually allocate more capital to you over time, so that means your buying power is growing with your success.

Access to Tools and Community

Most prop firms out there, including ours, often provide you with:

• Advanced platforms
• Analytical tools
• Educational resources
• Support on demand

We’ve got a Discord community, for example, that you can gain access to while trading with us - here you’ll find a community of experienced traders and staff who can share insights or provide support. 

This is a huge help for newcomers in particular, as you’ll learn a lot about trading skills and discipline.

High Profit Splits & Earnings

In reality, a lot of these instant funding firms offer super similar services, so one of the ways they stand out from one another is through profit-sharing, which often allows traders to keep 70%-90% of profits.

So, with larger account sizes and no delay to start earning, a skilled trader can potentially make substantial income quickly. 

You can clearly see what benefits you’re in store for with these kinds of firms, but we’d be remiss not to mention some of the trade-offs - namely, how instant funding accounts usually charge higher fees upfront.

And to protect the firm, it’s not uncommon for these services to enforce stricter risk rules like lower leverage or profit splits. Just until trust is built. But still, the fact that you’ll be able to trade larger capital immediately and retain most of the profits, as you can with our firm, can far outweigh the costs for confident traders.

How to Choose the Best Instant Funding Prop Firm

We mentioned at the start of this guide that the market’s almost oversaturated with the cheapest instant funding prop firm options, and while you’ve hopefully got a better idea now of which firm you’d like to explore now, it’s good to know what to actually evaluate before committing. Not even just in terms of legitimacy, but so you’re choosing a firm with the right features for your strategy.

Here’s how we suggest you do your research:

Reputation and Trustworthiness

Needless to say, all the features and sign-up bonuses being touted mean nothing if the firm’s not legitimate.  Keep an eye out for a good Trustpilot score and overall presence in the community - see if they have a Discord server where you can chat to other traders and discuss trading strategies.

Trading Platforms and Technology

Does the prop firm support your preferred trading platform (e.g. MetaTrader 4/5, cTrader, NinjaTrader, TradingView integration, etc.)? Firms like ours support all your favorite platforms, but this isn’t the norm and should be a non-negotiable for you.

Funding Offers and Withdrawal Terms

We’d suggest comparing everything from the funding amounts and fee structure to profit splits, so ask yourself questions like ‘Does the firm offer account sizes that match my goals?’ ‘Are the fees one-time and refundable or ongoing?’ 

And you also want transparent payout schedules - on-demand, ideally, but weekly and bi-weekly should be the longest you’d ever have to wait.

Risk Management Rules

All the firms that we covered earlier have different trading rules and risk parameters, so it’s worth scrutinizing them - what are the daily and total drawdown limits? Are there any restrictive rules like max lot size or mandatory stop-loss requirements? 

You’ll see the best instant funding firms with realistic and fair risk rules that are based on just normal trading (e.g. reasonable drawdown limits, no absurd restrictions) rather than something that’s clearly only enforced to suit their service.

Customer Support and Guidance

We can’t stress how important good customer support (live chat, email, phone - even just an extensive FAQ section) is, especially for a newer trader. The main reason for that is obviously so you have all the information you need to trade effectively, but a firm that offers educational resources or mentors to help you succeed is also just a good sign they care about your development as a trader - not just profit from fees.

Profit Share and Scaling

Higher starting profit splits mean more money in your pocket, but you’ll want to check if it also increases with success (tiered structure). Additionally, if you aim to trade big, check the firm’s scaling policy: the best firms will increase your account size after you meet certain profit or consistency criteria.

Ready to Start?

If you’re ready to jump into trading with a prop firm’s capital, your best bet is us at Atlas Funded. You can start trading with us immediately, and you’ll keep all the profits you earn (literally 100% if you go for our top account). And rest assured that your payouts will be prompt and guaranteed. 

Get started today with Atlas Funded and start using the best instant funding prop firm out there. And don’t forget to sign up for our monthly $200k giveaway!

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