Instant Funding rules for the Two-Phase challenge
Despite the name, Instant Funding (instantfunding.com) sells evaluations too, and its Two-Phase challenge is the one most traders compare. It asks for 8% then 5%, with a 5% daily loss measured from the higher of balance or equity at the 17:00 EST rollover and a static 10% maximum loss. The catch arrives at payout time: a 40% best-day rule and a per-idea risk cap.
Do not confuse it with other firms' "instant funding" products, which have different rules.
- Profit target
- 8% (Phase 1), 5% (Phase 2)
- Daily loss
- 5% of the higher of balance or equity at 17:00 EST
- Max loss
- 10% of starting balance, static
- Minimum days
- 3 per phase
- Time limit
- None (60 days with no trades closes the account)
- Payout rule
- Best day no more than 40% of profit
- Leverage
- Up to 1:100 FX
- Split
- 80%, up to 90%
The rollover in numbers
Instant Funding's own example: at $10,500 equity the daily limit is $525. Scale that to $100,000: if equity at 17:00 EST is $104,000, the day's limit is $5,200 and the line sits at $98,800. The static floor is $90,000.
Once funded, you may not risk or lose more than half of the starting daily drawdown on one trade idea: on $100,000, $2,500. Re-entering within 10 minutes counts as the same idea. A 1% trader is well inside that; a trader who adds to a loser is not.
Payout conditions
- On demand: no fixed first-payout date. You need net profit of at least 1.5% of the starting balance (or $25, whichever is larger) and all trades closed.
- 40% best day: your best day may be no more than 40% of total profit. With a $2,000 best day, you need $5,000 of profit to request.
- Split: 80%, rising to 90% after a 10% overall gain with your first trade at least 90 days ago, or with an add-on.
- Scaling: a 10% gain over 90 days adds 25% of the starting balance, up to double the original. Combined starting balance across your accounts is capped at $1,000,000.
Trading rules
- News: no restriction in the challenge. On funded accounts, trades within 4 minutes before or after a major release are restricted unless you buy the add-on.
- Weekends: allowed in both phases; funded accounts need an add-on.
- EAs: public third-party EAs are restricted; your own are allowed.
- Copy trading: between your own accounts only, including your accounts at other firms.
- Lot limits: maximum lot sizes apply per account size, and breaking them resets the account.
Prices were not shown on the day we checked, and Instant Funding's homepage lists a 12% drawdown option as an add-on. Check both on the firm's site.
Where Instant Funding traders slip
Adding to a loser within 10 minutes is still one idea. Past $2,500 on $100K, it breaks the per-idea rule.
The 40% rule holds your request until the rest of your profit catches up.
Without the add-on, funded accounts cannot hold over the weekend.
Planning for the payout rules
The challenge itself is simple: on $100,000, risk 0.5% ($500) per trade, keep days inside $2,000, and the 8% target is eight 2R winners. The planning that matters is for the funded account.
Keep each funded trade idea at 1% or less, $1,000, far inside the $2,500 per-idea cap. Do not re-enter the same idea within 10 minutes of a stop. And watch your best day: to request with a $1,500 best day, you need $3,750 of total profit.
Request on demand once you clear 1.5% net profit and the 40% best-day rule together.
Track Instant Funding in the RB journal
There is no Instant Funding preset yet, so use Custom.
- In Risk Manager, add a prop account and pick Custom. Set targets 8% and 5%, daily 5%, total 10%, drawdown type static.
- Sync MT4 or MT5 live through the RBSync EA (cTrader is supported too), or import a CSV statement.
- Tag re-entries within 10 minutes as one idea and check their combined loss against half your daily limit.
- Before requesting, check your best day against 40% of total profit.
- Read Daily room left after the 17:00 EST rollover.
Questions traders ask about Instant Funding
When does Instant Funding reset the daily loss?
At 17:00 EST, the market rollover. The limit is 5% of the higher of balance or equity at that time.
Does Instant Funding have a consistency rule?
At payout. Your best day may be no more than 40% of total profit when you request.
Is Instant Funding's Two-Phase drawdown static?
Yes. The maximum loss is 10% of the starting balance.
Sources
Rules on this page come from Instant Funding's official website and help centre. Last checked: 8 October 2026. Where we could not verify a rule, we say so and ask you to check the firm's current rules.
Know your room before you click
Set up your Instant Funding account and see daily room, idea risk and best-day share before you request.
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