Instant Funding
Forex/CFD prop firm known for no-evaluation instant accounts (Instant Funding Pro scales to $1.28M) plus one-phase, two-phase and Evolve challenges up to $200K.
Forex/CFD prop firm known for no-evaluation instant accounts (Instant Funding Pro scales to $1.28M) plus one-phase, two-phase and Evolve challenges up to $200K.
- Programs
- 7
- Account sizes
- 5K–200K
- Based in
Saint Lucia- Last reviewed
- Oct 7, 2026
- Website
- instantfunding.com
What it costs to get funded
The entry price is not the cost. Add the activation fee you pay when you pass, and any extra attempts.
| Program | Entry price | when you pass | One funded account | With a second attempt |
|---|---|---|---|---|
| Pro | At checkout | — | — | — |
| Lite | At checkout | — | — | — |
| IF Micro Pro | At checkout | — | — | — |
| IF Micro Lite | At checkout | — | — | — |
| One-Phase Pro | At checkout | — | — | — |
| Two-Phase | At checkout | — | — | — |
| Evolve | At checkout | — | — | — |
At checkout means Instant Funding only shows that price inside its own checkout.Visit Instant Funding
Cheapest published size per program, at the firm’s listed prices, before discounts and data fees. The second-attempt column adds one reset where the firm sells resets, or a second evaluation where it does not.
Programs
Open a program for its sizes, prices and rules.
Instant Funding ProInstant fundingStaticNo daily loss limit5K–40K
No evaluation, no daily loss limit and no consistency rule; 10% static max loss that tightens to 5% after a 5% gain; 80% split.
- Billing
- One-time fee
- to trader
- 80%
- Static
- None
- once funded
- None
- News trading (funded)
- Restricted
We haven’t captured these yet: activation fee, consistency in evaluation.
Payouts: First payout 14 days after the first trade, then every 7 days; $25 minimum; all trades closed and Smart Drawdown locked.
| Size | ||
|---|---|---|
| 5K | $500 | None |
| 10K | $1,000 | None |
| 20K | $2,000 | None |
| 40K | $4,000 | None |
Rules in detail 5
- Smart Drawdown: max loss starts at 10% of the starting balance and tightens to 5% once the balance is up 5%.
- Sizes listed are from the firm's max-lot table, which also covers $625, $1,250, $2,500, $80,000 and $120,000 accounts.
- Scales by doubling the balance after each 10% gain, up to $1.28M.
- Without the Swing add-on, trades within 4 minutes before or after major news are restricted (profits can be removed); Swing allows news trading.
- Weekend holding on funded accounts needs the Swing add-on; otherwise close before the Friday close.
Instant Funding LiteInstant fundingStaticDaily loss limit
No evaluation; 4% daily loss and a 10% static max loss that tightens to 5% after a 5% gain.
- Billing
- One-time fee
- Static
- Yes (closes the account)
- News trading (funded)
- Restricted
We haven’t captured these yet: activation fee, profit split to trader, consistency in evaluation, consistency once funded.
Payouts: First payout 14 days after the first trade, then every 7 days; $25 minimum.
Rules in detail 6
- Smart Drawdown: max loss starts at 10% of the starting balance and tightens to 5% once the balance is up 5%.
- Daily loss resets at 17:00 EST and is based on the higher of balance or equity.
- Profit split and account sizes aren't stated on the Lite help page.
- Without the Swing add-on, trades within 4 minutes before or after major news are restricted (profits can be removed); Swing allows news trading.
- Weekend holding on funded accounts needs the Swing add-on; otherwise close before the Friday close.
- Lite's max-lot table covers $1,250-$80,000 accounts; scaling doubles the balance after each 10% gain up to $1.28M.
IF Micro ProInstant fundingStaticDaily loss limit
No evaluation; 4% daily loss and a static 6% max loss, 15% best-day rule; news and weekend holding included.
- Billing
- One-time fee
- Static
- Yes (closes the account)
- once funded
- 15%
- News trading (funded)
- Allowed
We haven’t captured these yet: activation fee, profit split to trader, consistency in evaluation.
Payouts: On demand once net profit reaches 5% of the starting balance and all trades are closed.
Rules in detail 6
- Daily loss resets at 17:00 EST and is based on the higher of balance or equity.
- Best-day limit is 20% with the +5% Best Day add-on.
- Base profit split isn't stated on the help page.
- News straddling isn't allowed.
- Weekend holding included.
- Max loss is fixed to the starting balance (e.g. $9,400 floor on $10K). The lot table covers sizes from $5K to $300K, but the purchasable sizes aren't listed.
IF Micro LiteInstant fundingStaticDaily loss limit
No evaluation; 3% daily loss and a 6% max loss that locks to 3% after a 3% gain, 15% best-day rule; 80% split.
- Billing
- One-time fee
- to trader
- 80%
- Static
- Yes (closes the account)
- once funded
- 15%
- News trading (funded)
- Restricted
We haven’t captured these yet: activation fee, consistency in evaluation.
Payouts: 14-day payout cycle; net profit must reach 5% of the starting balance and drawdown must be locked at 3%.
Rules in detail 3
- Sold in five sizes from $5,000 to $50,000.
- News trading not allowed within 4 minutes of major news; a first violation is a strike (split falls to 50%), a second breaches the account.
- No weekend holding.
One-Phase ProEvaluationStaticDaily loss limit5K–200K
One phase with a 10% target, 3% daily loss and a static 8% max loss, 40% best-day rule; 80% split.
- Billing
- One-time fee
- to trader
- 80%
- Static
- Yes (closes the account)
- once funded
- 40%
- News trading (funded)
- Restricted
We haven’t captured these yet: activation fee, consistency in evaluation.
Payouts: On demand; net profit must reach the larger of 1.5% of the starting balance or $25, with all trades closed.
| Size | |||
|---|---|---|---|
| 5K | $500 | $400 | $150 |
| 10K | $1,000 | $800 | $300 |
| 25K | $2,500 | $2,000 | $750 |
| 50K | $5,000 | $4,000 | $1,500 |
| 100K | $10,000 | $8,000 | $3,000 |
| 200K | $20,000 | $16,000 | $6,000 |
Rules in detail 6
- Targets and limits are the firm's percentages applied to each size.
- Daily loss resets at 17:00 EST and is based on the higher of balance or equity.
- Minimum 3 trading days to pass; no time limit.
- 40% best-day rule (stage not specified on the help page).
- Without the Swing add-on, trades within 4 minutes before or after major news are restricted (profits can be removed); Swing allows news trading.
- Weekend holding allowed in the challenge; funded needs the Swing add-on.
Two-PhaseEvaluationStaticDaily loss limit5K–200K
Two phases (8% then 5%), 5% daily loss and a static 10% max loss, 40% best-day rule; 80% split.
- Billing
- One-time fee
- to trader
- 80%
- Static
- Yes (closes the account)
- once funded
- 40%
- News trading (funded)
- Restricted
We haven’t captured these yet: activation fee, consistency in evaluation.
Payouts: On demand; net profit must reach the larger of 1.5% of the starting balance or $25, with all trades closed.
| Size | |||
|---|---|---|---|
| 5K | $400 | $500 | $250 |
| 10K | $800 | $1,000 | $500 |
| 25K | $2,000 | $2,500 | $1,250 |
| 50K | $4,000 | $5,000 | $2,500 |
| 100K | $8,000 | $10,000 | $5,000 |
| 200K | $16,000 | $20,000 | $10,000 |
Rules in detail 6
- Targets and limits are the firm's percentages applied to each size.
- Profit target shown is Phase 1 (8%); Phase 2 is 5%. Minimum 3 trading days.
- Daily loss resets at 17:00 EST and is based on the higher of balance or equity.
- 40% best-day rule (stage not specified on the help page).
- News within 4 minutes of major events restricted unless you buy the Major News Trading add-on.
- Weekend holding allowed in the challenge; funded needs an add-on.
EvolveEvaluationEnd-of-day trailingNo daily loss limit50K
One phase with a 6% target and 5 profitable days, no daily loss limit and a 4% end-of-day trailing max loss; 80% split.
- Billing
- One-time fee
- to trader
- 80%
- End-of-day trailing
- None
- once funded
- 40%
- News trading (funded)
- Allowed
We haven’t captured these yet: activation fee, consistency in evaluation.
Payouts: First payout on demand; $250 minimum; each payout capped at 50% of profit and $2,000; max 5 payouts per account.
| Size | |||
|---|---|---|---|
| 50K | $3,000 | $2,000 | None |
Rules in detail 4
- Targets and limits are the firm's percentages applied to each size.
- Profitable days must each be at least 0.25%.
- Only a $50,000 example size is given on the help page.
- No overnight or weekend holding; positions close automatically at 4:55pm EST.
Firm-wide rules
- US traders can only use Match-Trader; MT5 and cTrader are for non-US clients.
- Public third-party EAs are prohibited; EAs you build yourself are allowed.
- HFT (trades of 60 seconds or less), grid trading, martingale, one-sided bets, reverse trading/group hedging and account churning are prohibited.
- Copying trades from accounts that aren't yours is restricted; group copying/account management is prohibited.
- Breaching the per-size maximum lot limit resets the account.
- All accounts are demo accounts with virtual funds.
- The firm shows its prices only in its own checkout.
Getting paid
What the firm publishes about withdrawing money once you are funded: the split, the minimum, how soon, how often, and any cap.
Instant Funding Pro
- to you
- 80%
- Minimum payout
- $25
- First payout after
- 14 days after first trade
- How often
- Every 7 days
First payout 14 days after the first trade, then every 7 days; $25 minimum; all trades closed and Smart Drawdown locked.
Instant Funding Lite
- Minimum payout
- $25
- First payout after
- 14 days after first trade
- How often
- Every 7 days
First payout 14 days after the first trade, then every 7 days; $25 minimum.
IF Micro Pro
- First payout after
- When net profit reaches 5%
- How often
- On demand
On demand once net profit reaches 5% of the starting balance and all trades are closed.
IF Micro Lite
- to you
- 80%
- First payout after
- When net profit reaches 5%
- How often
- Every 14 days
14-day payout cycle; net profit must reach 5% of the starting balance and drawdown must be locked at 3%.
One-Phase Pro and Two-Phase
- to you
- 80%
- Minimum payout
- $25
- First payout after
- On demand
- How often
- On demand
On demand; net profit must reach the larger of 1.5% of the starting balance or $25, with all trades closed.
Evolve
- to you
- 80%
- Minimum payout
- $250
- First payout after
- On demand
- Cap per payout
- 2000
First payout on demand; $250 minimum; each payout capped at 50% of profit and $2,000; max 5 payouts per account.
Who can sign up
Which countries this firm accepts is being reviewed from its published terms. Until then, check the firm’s own eligibility page before you buy.
The company
- Legal name
- IF Pro Ltd (Saint Lucia); payment agent Acello Ltd (England and Wales)
- Founded
- 2021
- Based in
- Saint Lucia
We haven’t captured these yet: registered in, address. From the firm’s own terms, footer or company registry, where it publishes them.
Side by side with another firm
Where the rules differ, what happens on a bad day, and what each costs to get funded. No winner.
Lists this firm is on
Not a ranking. A firm is on a list when at least one of its programs has that rule; open the list to see which programs qualify.
Sources
- Instant Funding homepage reviewed Oct 7, 2026
- Instant Funding Help: Instant Funding Pro reviewed Oct 7, 2026
- Instant Funding Help: Instant Funding Lite reviewed Oct 7, 2026
- Instant Funding Help: IF Micro Pro reviewed Oct 7, 2026
- Instant Funding Help: IF Micro Lite reviewed Oct 7, 2026
- Instant Funding Help: One-Phase Pro reviewed Oct 7, 2026
- Instant Funding Help: Two-Phase reviewed Oct 7, 2026
- Instant Funding Help: Evolve reviewed Oct 7, 2026
- Instant Funding Help: Trading platforms reviewed Oct 7, 2026
- Instant Funding Help: Prohibited trading practices reviewed Oct 7, 2026
- Instant Funding Help: Choose your trading program (program list) reviewed Oct 7, 2026
- Instant Funding Help: Can I reset my account? reviewed Oct 7, 2026
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