Cheapest Instant Funding Prop Firms List: Compare Your Options

Instant funding prop firms let you skip evaluation phases entirely and start trading with funded capital from day one. The trade-off is typically a higher upfront fee and stricter risk parameters, but for traders with proven strategies, the time savings are worth it.

The market for instant funding has exploded in 2026, with dozens of firms competing on price, profit splits, and payout speed. This makes choosing the right one harder than it should be.

We compared the most popular instant funding prop firms side by side, looking at the numbers that actually matter: entry cost, profit splits, drawdown rules, payout speed, and scaling potential. Here's what we found.

Quick Comparison: Cheapest Instant Funding Prop Firms

The table below compares the lowest entry price, standard profit split, maximum account size, and payout speed for each firm. All prices are current discounted rates as of February 2026.

Prices reflect standard rates as of February 2026 and may vary with promotions. Always verify current pricing on each firm's website.

Detailed Firm Breakdowns

Blue Guardian ( Cheapest instant funding prop firm )

Blue Guardian stands out for having the lowest possible entry point in the instant funding space at $10 for a $5K Starter account with a 90% profit split. For standard instant accounts, pricing starts at $65 for $5K and scales up to $1,651 for $400K.

The firm's biggest differentiator is the 24-hour payout guarantee. If Blue Guardian fails to process your withdrawal within 24 hours, your profit split on that payout automatically increases to 100%. This is the only guarantee of its kind in the industry.

Key Details:

• Cheapest Entry: $10 (Starter) / $65 (Standard $5K)
• Profit Split: Starter 90% default; Standard 80%, up to 90% with add-on
• Drawdown: 3% daily, 6% trailing maximum (5% on Starter)
• Scaling: Up to $400K merged accounts, $4M with scaling plan
• Payout Speed: Instant/on-demand, 24-hour guarantee
• Platforms: MT5, Match-Trader, TradeLocker
• Fee Refund: Full refund after 4th payout (excludes $10 Starter)

Best for: Traders who prioritize payout reliability and want a low-cost entry point to test the firm before scaling up.

FundedNext

FundedNext's Stellar Instant program offers direct funded accounts starting at competitive prices. The firm has built a strong reputation for payout speed, with most withdrawals processed within 24 hours. They also offer a $1,000 bonus if payouts are delayed beyond that window.

Key Details:

• Cheapest Entry: From ~$32 for $5K (Stellar Lite evaluation) / Instant accounts from ~$195
• Profit Split: Up to 95% depending on plan
• Drawdown: Varies by program
• Scaling: Available through consistent performance
• Payout Speed: Within 24 hours, $1,000 bonus if delayed
• Platforms: MT4, MT5, cTrader, Match-Trader

Best for: Traders who want multiple platform options and high profit splits with a well-established firm.

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Goat Funded Trader

Goat Funded Trader combines some of the lowest challenge fees in the industry with fast payout processing. Their instant funding models offer direct account access, though with stricter rules than their evaluation programs. The firm has its own MT5 license, broker, and in-house technology.

Key Details:

• Cheapest Entry: ~$25-30 for $5K evaluation / Instant accounts from ~$43
• Profit Split: 80% standard, up to 100% with upgrades
• Drawdown: Varies by account type
• Scaling: Available
• Payout Speed: As fast as 2 business days, $500 bonus if late
• Platforms: MT5, MatchTrader, cTrader, TradeLocker

Best for: Budget-conscious traders who want the fastest possible payout turnaround with a payout delay penalty.

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FXIFY

FXIFY positions itself as a reliable choice for newer instant funding traders, with low entry fees and a proven track record of over $25M paid to 180,000+ traders. The 8% trailing drawdown is more generous than many competitors, giving traders additional breathing room.

Key Details:

• Cheapest Entry: $69 for $1K account
• Profit Split: Up to 90%
• Drawdown: 5% daily, 8% trailing maximum
• Scaling: Available
• Payout Speed: On-demand after first funded trade
• Platforms: MT5

Best for: Newer traders who want proven payout reliability with a generous trailing drawdown.

Funded Trading Plus

Funded Trading Plus offers instant funding alongside evaluation programs, with a tiered profit split that rewards consistency. Starting at 80%, the split increases to 90% once you hit 20% profit, and reaches 100% at 30% profit. Their Master Trader Program scales accounts up to $2.5M.

Key Details:

• Cheapest Entry: $119 for $5K instant account
• Profit Split: 80% base, 90% at 20% profit, 100% at 30%
• Drawdown: 3% daily, varies by program
• Scaling: Up to $2.5M through Master Trader Program
• Payout Speed: Flexible withdrawals
• Platforms: Multiple supported

Best for: Disciplined traders with tight risk management who want maximum scaling potential and escalating profit splits.

City Traders Imperium (CTI)

CTI stands out with its unique monthly salary feature for funded traders and the potential for 100% profit splits through their Golden Trader Loyalty Program. Account sizes go up to $2M with instant funding options, though entry costs are higher than most competitors.

Key Details:

• Cheapest Entry: From $79 / Higher-tier accounts up to $4,799
• Profit Split: 70-100% with Smart Drawdown system
• Drawdown: 5% daily, 10% Smart Drawdown
• Scaling: Doubles account at each 10% target, up to $1.28M
• Payout Speed: Weekly payouts
• Additional: Monthly salary for funded traders

Best for: Traders who want straightforward scaling paths with the bonus of a monthly salary.

Hola Prime

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Hola Prime is a newer entrant founded in August 2024, but has quickly gained attention with its 1-hour payout promise and up to 95% profit split. The firm operates in 175+ countries and offers five account types including instant funding.

Key Details:

• Cheapest Entry: Varies by program
• Profit Split: Up to 95%
• Drawdown: Varies by account type
• Scaling: Up to $4M
• Payout Speed: 1-hour payout promise
• Platforms: Tier-1 liquidity provider backed

Best for: Traders who prioritize the fastest possible payout processing and high profit splits.

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What to Look for When Choosing an Instant Funding Firm

Price is important, but it shouldn't be the only factor. Here's what actually matters when comparing instant funding prop firms:

Payout Reliability

The cheapest account in the world is worthless if the firm doesn't pay. Look for firms with verifiable payout histories, public payout records, and ideally payout guarantees with penalties for delays. Blue Guardian's 24-hour guarantee with automatic 100% profit split if late is the gold standard here.

Drawdown Rules

Pay close attention to whether drawdown is static or trailing, and what the daily vs. overall limits are. A $200K account with a 2% daily drawdown limit is harder to trade than a $50K account with 5% daily limits. The best account is the one you can actually trade profitably within the rules.

Scaling Potential

If you're planning to grow your trading career through prop firms, scaling matters. Blue Guardian's path to $4M and Funded Trading Plus's $2.5M Master Trader Program offer the most growth potential. CTI's doubling system to $1.28M is also worth considering.

Total Cost of Ownership

Factor in profit splits, not just entry fees. A firm charging $200 with a 90% split may net you more than one charging $100 with a 70% split. Also consider fee refund policies: Blue Guardian refunds your fee after the 4th payout, effectively making the account free for consistently profitable traders.

Platform Support

Make sure the firm supports your preferred trading platform. MT5 is the most commonly supported, but if you rely on specific tools like cTrader or TradeLocker, verify compatibility before purchasing.

Drawdown Rules Comparison

Drawdown rules are often the deciding factor between instant funding firms. Here's how the major players compare:

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Our Verdict

If you're looking for the cheapest way to get started with instant funding, Blue Guardian's $10 Starter account is unmatched. No other firm lets you access a funded account for less than a cup of coffee.

For standard accounts, the competition is tighter. Blue Guardian, FundedNext, and Goat Funded Trader all offer strong value at different price points. The deciding factors come down to what matters most to you:

• Payout guarantee: Blue Guardian (24-hour guarantee with 100% split penalty)
• Highest profit split: FundedNext (up to 95%) or CTI (up to 100%)
• Lowest standard entry: Blue Guardian ($65 for $5K instant)
• Best scaling: Blue Guardian ($4M) or Funded Trading Plus ($2.5M)
• Fastest payouts: Hola Prime (1-hour promise)
• Fee refund: Blue Guardian (full refund after 4th payout)

Whatever you choose, start with a smaller account to verify the firm's payout reliability before scaling up. The $10-$100 range gives you enough skin in the game to take it seriously without risking meaningful capital.

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