34 firms, 493 plans, ranked November 2026. Instant funding skips the evaluation: you pay more up front and trade a funded account from day one, usually with tighter drawdown and a lower split at first.
As of November 12, 2026, 34 of the 86 prop firms PropTested tracks qualify. The best value is FundedNext Labs Instant FNL-004 ($50K) at $149.99 to start, an estimated $354 until funded. It suits traders who already have a tested edge and want to skip the test. The trade-off is a higher price and stricter terms, so compare the drawdown and split, not only the speed.
| # | Firm and plan | Size | To start | Cost to funded | Target | Max loss | Drawdown | Daily loss | Consistency | Split |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | FundedNext Labs Instant FNL-004 | $50K | $149.99 | $354 | n/a | $2,000 | Trailing balance | None | None | 80% |
| 2 | FundingPips Zero | $100K | $355.20 | $905 | n/a | $5,000 | Intraday | $3,000 | None | 95% |
| 3 | RZR Funded Instant24 | $5K | $11.05 | $26 | n/a | $150 | Trailing balance | $100 | n/a | 80% |
| 4 | Wall Street Funded Instant Pro | $100K | $299.40 | $748 | n/a | $5,000 | Trailing balance | $3,000 | n/a | 80% |
| 5 | Alpha Capital Alpha Direct | $200K | $538.20 | $1,371 | n/a | $10,000 | Intraday | $6,000 | n/a | 90% |
| 6 | Orion Funded Orion Zero | $100K | $575 | $1,159 | n/a | $6,000 | Static | $3,000 | n/a | 80% |
| 7 | Blue Guardian Instant Starter | $5K | $11 | $27 | $0 | $250 | Trailing balance | $150 | n/a | 90% |
| 8 | FXIFY Instant Funding Lite | $50K | $289 | $712 | n/a | $2,000 | Trailing balance | $1,500 | n/a | 80% |
| 9 | Goat Funded Trader Instant HERO | $5K | $17 | $42 | $0 | $250 | Trailing balance | $150 | n/a | 90% |
| 10 | Top One Trader Instant Prime | $50K | $123 | $296 | $0 | $2,500 | Trailing balance | $1,250 | n/a | 80% |
| 11 | Hola Prime Direct | $100K | $755.40 | $1,833 | $0 | $7,000 | End of day | $3,000 | n/a | 90% |
| 12 | AquaFunded Instant Funding Standard | $300K | $1,086 | $2,563 | $0 | $9,000 | Trailing balance | None | n/a | 100% |
| 13 | Maven Instant | $20K | $62 | $169 | n/a | $600 | Intraday | $400 | n/a | 80% |
| 14 | Moneta Funded Instant Funding | $100K | $665 | $1,661 | n/a | $5,000 | Trailing balance | $3,000 | n/a | 88% |
| 15 | Traderscale Instant Funding | $400K | $1,099.45 | $2,932 | n/a | $24,000 | Intraday | $12,000 | n/a | 90% |
| 16 | Funded Trader Markets Instant Pro | $25K | $79 | $190 | n/a | $750 | Trailing balance | $750 | n/a | 80% |
| 17 | TX3 Funding Instant Pro | $50K | $150 | $351 | n/a | $2,500 | Trailing balance | $1,000 | n/a | 50% |
| 18 | Alpha Funded Instant Funding Standard | $300K | $1,080 | $2,698 | n/a | $15,000 | Trailing balance | $9,000 | n/a | 90% |
| 19 | Tradeify FX Direct | $100K | $599.40 | $1,444 | n/a | $6,000 | Trailing balance | $3,000 | n/a | 80% |
| 20 | Atmos Funded Instant Funding | $100K | $656.79 | $1,641 | n/a | $5,000 | Trailing balance | $3,000 | n/a | 90% |
| 21 | Instant Funding IF Micro PRO | $300K | $1,659 | $3,244 | $0 | $18,000 | Static | $12,000 | n/a | 80% |
| 22 | For Traders Instant | $100K | $439 | $1,097 | $0 | $5,000 | Trailing balance | $3,000 | n/a | 70% |
| 23 | FTMO FTMO Instant Account | $5K | $188.05 converted from EUR 169 | $459 | n/a | $500 | Trailing balance | $150 | None | 90% |
| 24 | Nordic Funder Instant Funding Instant Funding Lite | $100K | $1,150 | $2,246 | n/a | $3,000 | Static | $1,000 | n/a | 90% |
| 25 | City Traders Imperium Instant Funding | $80K | $1,599 | $3,166 | n/a | $2,400 | Static | None | n/a | 70% |
| 26 | Blueberry Funded Instant Lite | $100K | $785 | $1,892 | $0 | $4,000 | Trailing balance | $2,000 | n/a | 80% |
| 27 | Lark Funding Instant | $5K | $200 | $475 | n/a | $400 | Trailing balance | $250 | n/a | 90% |
| 28 | ThinkCapital Bolt | $100K | $899 | $2,397 | n/a | $6,000 | Intraday | $3,000 | n/a | 80% |
| 29 | Audacity Capital FTP (Instant Funding) | $25K | $386 | $930 | n/a | $2,500 | Trailing balance | $1,250 | n/a | 85% |
| 30 | NEOM Funded NEO EXPRESS | $50K | $624 | $1,281 | n/a | $2,000 | Static | $1,500 | n/a | 70% |
| 31 | The Trading Pit Instant Earning Account | $100K | $1,602.29 converted from EUR 1,440 | $3,782 | $0 | $6,000 | Trailing balance | None | n/a | 80% |
| 32 | Vanta Trading Instant Funded | $25K | $750 | $1,873 | n/a | $1,250 | End of day | $750 | n/a | 80% |
| 33 | Finotive Funding Instant Funding Lite | $100K | $1,639 | $3,304 | n/a | $6,000 | Static | $3,000 | None | 70% |
| 34 | Funded Trading Plus Instant Funding | $5K | $174.30 | $419 | $0 | $300 | Trailing balance | $300 | n/a | 80% |
Dollar prices that show a euro amount are converted from EUR at 1.1127, the ECB reference rate of November 11, 2026. The firm charges in EUR.
One row per firm: the plan that scored best for this list. Prices and rules read on each firm's own pages, latest check November 12, 2026. Sizes in this list: $0.625K, $1K, $1.25K, $2K, $2.5K, $3K, $5K, $6K, $7.5K, $10K, $15K, $20K, $25K, $40K, $50K, $75K, $80K, $100K, $120K, $150K, $200K, $250K, $300K, $400K, $500K. How the score works.
RZR Funded Instant24 at $11.05 for a $5K account, checked November 12, 2026. Cheapest to start is not cheapest to get funded: the table's "cost to funded" column counts resets and fees against the simulated pass rate.
FTMO, with 4.8 of 5 from 55,531 reviews, among firms with at least 100 reviews.
An evaluation is a test you pay for. 1-step has one target, 2-step has two in a row, and instant skips the test, usually for a higher price and tighter terms. Read the full explainer: 1-step, 2-step and instant accounts.
Each plan is scored out of 100 the same way whichever firm sells it: 45% cost until funded (the plan's own rules simulated 3,000 times for a trader with no edge), 35% the firm's record and 20% payout terms. Commission never enters the score. The method is published on the methodology page.
Explainer: 1-step, 2-step and instant accounts. Filter every plan yourself on the plan comparison, or put two firms side by side on compare.