0

CEO

Lewis

Country

country-flag

GB

Trust Pilot

4

Years in Operation

3

CEO

Lewis

Country

country-flag

GB

Trust Pilot

4

Years in Operation

3

4.5

2

total reviews

5

1

4

1

3

0

2

0

1

0

10% OFF

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Instant Funding

4.5

2

10% off all accounts — first order only

Code

SPF

Instant Funding, established in 2021 in the UK, offers simulated funded trading across several program structures: Instant Funding, IF Micro, IF1, One-Phase, One-Phase Micro, Two-Phase, and Two-Phase Micro. Account sizes shown include $625, $1,250, $2,000, $2,500, $5,000, $10,000, $20,000, $25,000, $40,000, $50,000, $80,000, $100,000, $120,000, $200,000, and $300,000. Supported platforms are MetaTrader 5, cTrader, and Match-Trader. The Instant Funding program has no evaluation, no consistency rules, no daily drawdown, a 10% max drawdown that becomes 5% after reaching 5% profit, no minimum trading days, 80% profit split, 14 days after the first trade for the first payout and weekly thereafter, and scaling by doubling the account at 10% profit up to $1.28M. IF1 has no profit target, requires 2% profit to request payout, uses a 2% daily drawdown and 4% max drawdown, pays 90%, and closes 24 hours after the first trade. One-Phase requires 10% profit, or 8% with the add-on, 3% daily drawdown, 8% max drawdown, and at least 3 trading days, with 80% profit split that can rise to 90%. Two-Phase requires 8% in phase one and 5% in phase two, with 5% daily drawdown, 10% max drawdown, and at least 3 trading days, while the micro versions use 7% and 8%/4% targets with the same 4% daily and 10% max drawdown rules. The Firm offers forex, commodities, indices, and crypto trading with leverage of 1:100 on currencies, 1:20 on commodities and indices, and 1:2 on crypto, with a temporary 1:5 setting on metals, oil, and indices for funded accounts.

  • For One-Phase and Two-Phase (Funded):
    • Your best trading day must not account for more than 40% of your total profit.

    For IF Micro, IF1, One-Phase Micro and Two-Phase Micro

    • Your best trading day must not account for more than 15% of your total profit.

Maximum Lot Sizes:

Minimum hold time:

  • Trades held for 60 seconds or less are regarded as high frequency trades and are prohibited

Smart Drawdown (Instant Funding and Instant Funding Go):

  • It starts at -10% and automatically adjusts to -5% once you achieve a 5% gain on your account balance. After that point, the drawdown remains fixed at -5% of your starting balance, even if your profits grow.

News Trading:

  • One-Phase and Two-Phase (challenge phase only): No news restrictions
  • IF Micro, IF1, One-Phase Micro and Two-Phase Micro: No news restrictions
  • Instant Funding, One-Phase and Two-Phase (funded accounts): News trading is not allowed 4 minutes before and after high impact news.

Weekend Holding:

  • One-Phase, and Two-Phase, (challenge phase only): Allowed
  • IF Micro, IF1, One-Phase Micro and Two-Phase Micro: Allowed
  • Instant Funding, Instant Funding Go, One-Phase and Two-Phase (funded accounts): Allowed with Add-on

Inactivity:

  • If no trades are placed within 60 days of your account purchase or after the last trade, your account will be automatically closed.

Risk per Trading Instrument

  • Instant Funding: You may not risk more than 3% of your starting account balance at any time on a single trade idea.
  • Instant Funding GO: You may not risk more than 2% of your starting account balance at any time on a single trade idea.
  • IF Micro and IF1: You may not risk more than 1% of your starting account balance at any time in one trade idea
  • One Phase, One Phase Micro and Two Phase: You may not risk more than 50% of your daily drawdown at any time in one trade idea.
  • Two Phase Micro: You may not risk more than 2% of your starting account balance on any single trade idea for Two-Phase Micro accounts of $50,000 and below, and no more than 1.5% for accounts of $100,000 and above.
  • Closing and reopening a position in the same direction on the same instrument within 10 minutes is treated as the same trade idea and does not reset the limit. Exceeding this limit will result in a hard breach.

Prohibited Practice and strategies

  • Account Churning (Rolling): Opening multiple funded or challenge accounts in quick succession is prohibited
  • High-frequency trading (HFT): HFT involves holding trades for 60 seconds or less.
  • One-Sided Bets: Taking positions in a single direction without proper analysis or consideration of market trends, often leading to excessive exposure.
  • Grid Trading: Placing buy and sell orders at fixed intervals, relying solely on price fluctuations rather than informed analysis. This strategy disregards market conditions and often leads to uncontrolled losses.
  • Overleveraging: Exceeding the allowable lot size limit for your account type on a single trade idea. This creates excessive risk and significantly increases the chances of an account wipeout.
  • Gambling: Engaging in trades that resemble betting rather than strategy, such as placing random positions without analysis or risking large portions of the account on a single trade idea.
  • Martingale: Increasing positional notional volume after each trade, aiming to recover previous losses or amplify winnings on subsequent trades. This involves doubling down after a losing trade. Martingale trading is allowed for all challenges and IF Micro accounts (including funded stage). For Instant Funding accounts, traders can add to losing positions but must avoid continuously doubling lot sizes after losses.

Reviews2

Reviewer profile
chesca

5.0

Trader's Satisfaction

June 18th, 2026

I’m updating the comment:

After discussing the situation, IF took my arguments into consideration, and we were able to reach a positive resolution.

I would like to point out that, based on my experience with prop firms, resolving issues of this kind is often extremely difficult, if not impossible. In this respect, IF stands out from many other firms.

Because of this, I am happy to change my rating of IF to the highest possible score. In my opinion, a prop firm that listens to its clients and is willing to address concerns fairly undoubtedly deserves their trust.

Reviewer profile
orlando

4.0

Trader's Satisfaction

June 18th, 2026

Though I have violated some rules and All my accounts got cancelled because of 1% maximum risk per instrument .I recommend all traders to check out their rules and FAQs especially this 1% and 10min rule is the major key to check out I have lost multiple accounts last was 100k if micro cancelled because of 1% but I recommend IF because of 24hrs payout they have approved 4 payouts so if you align with their rules you will definitely get a payout I will continue with them though I ask them to increase risk per instrument from 1% to 1.5% at least

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