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Updated 2026-03-08
Funded Trading Plus vs Instant Funding: Which Prop Firm Is Better?
Choosing between Funded Trading Plus and Instant Funding comes down to whether you prioritize easier qualification requirements or better long-term trading conditions. Instant Funding offers more forgiving drawdown limits and lower profit targets, making it easier to pass evaluations, while Funded Trading Plus provides a single-phase challenge and better payout terms once funded. This comparison examines their evaluation structures, risk parameters, and trader support to help you determine which firm aligns with your trading style and experience level.
FT
Funded Trading Plus
Est. 2021 · London, UK
4.7
3,000 reviews
VS
7 wins
2 ties
3 wins
IF
Instant Funding
Est. 2023 · N/A
3.8
200 reviews
Feature
Funded Trading Plus
Instant Funding
Challenge Price ($100K)
$549
N/A
Phase 1 Profit Target
10%
8%✓ Easier to pass
Phase 2 Profit Target
None (single-phase)✓ Single-phase evaluation
5%
Max Daily Loss
4%
5%✓ More daily loss room
Max Total Loss
6%
10%✓ More drawdown room
Min Trading Days
None✓ No minimum
3 days
Time Limit (Phase 1)
No limit
No limit
Payout Split
80% (up to 100%)✓ Higher profit split
80% (up to 95%)
Funded Trading Plus
Pros
+Multiple challenge types: Instant Funding, 1-Step, and 2-Step options
+Fast weekly reward frequency starting from day 0
+No monthly fees with transparent pricing structure
+News trading allowed and weekend holding permitted
+Swap-free accounts available with no virtual charges for overnight positions
Cons
−Lower leverage at 1:30 compared to many competitors
−Limited account size options shown with pricing
−Add-on features require additional 15% fees each
−Relatively new firm established in 2021
Instant Funding
Pros
+Multiple account types including instant funding options with no profit targets
+High profit splits up to 95% on Two-Phase Max program
+Account scaling available that can double account size when hitting 10% profit
+Over $17M paid out to traders with transparent on-chain verification
+No minimum trading days required on several programs
Cons
−Complex rule variations across different account types can be confusing
−News trading restrictions on some programs
−Weekend holding not available on all programs without add-ons
−Temporary leverage restrictions to 1:5 on metals, oil, and indices
−Some programs have strict consistency rules limiting single trade profits
Our Verdict
Which Should You Choose?
Instant Funding suits newer traders and those who struggle with strict risk management, offering 5% daily loss limits, 10% total drawdown, and an 8% Phase 1 profit target that's easier to achieve. However, the two-phase evaluation and restricted news trading limit its appeal for experienced traders.
Funded Trading Plus is the better choice for disciplined traders who can handle tighter risk parameters in exchange for superior long-term conditions. The single-phase evaluation, unrestricted news trading, and payout scaling up to 100% make it ideal for serious traders planning to build a funded trading career. With 4.7/5 stars from 3,000 Trustpilot reviews versus Instant Funding's 3.8/5 from just 200 reviews, Funded Trading Plus also offers greater credibility and track record.
Bottom line: Choose Funded Trading Plus if you're an experienced trader who values single-phase evaluation and maximum earning potential, or Instant Funding if you need more forgiving risk limits to pass your first prop firm challenge.
Choose Funded Trading Plus if:
→Multiple challenge types: Instant Funding, 1-Step, and 2-Step options
→Fast weekly reward frequency starting from day 0
→No monthly fees with transparent pricing structure
→News trading allowed and weekend holding permitted
Choose Instant Funding if:
→Multiple account types including instant funding options with no profit targets
→High profit splits up to 95% on Two-Phase Max program
→Account scaling available that can double account size when hitting 10% profit
→Over $17M paid out to traders with transparent on-chain verification
Disclaimer:This comparison is for informational purposes only. Prop firm rules change regularly — always verify current terms on each firm's official website before purchasing a challenge. This is not financial advice. Updated 2026-03-08.