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Instant Funding
Instant Funding is a simulated-capital prop firm established in the UK in 2021, operated by IF Pro Ltd (Saint Lucia) with Acello Ltd (London) as payment agent. It is known for instant-funded accounts without profit targets (Instant Funding Pro/Lite, IF Micro Pro/Lite) alongside One-Phase Pro/Lite, Two-Phase and the futures-style Evolve challenge; core programs were renamed in Sep 2026. Platforms are MT5, cTrader and Match-Trader; payouts via Rise or crypto.
Founded: 2021 · Platforms: MT5, cTrader, Match-Trader
Programs
- Instant Funding PRO (formerly Original) (Instant) — Profit target: —; Daily loss: None; Max loss: 10% of starting balance (Smart Drawdown); tightens to 5% after +5% balance gain; Profit split: 80% (90% with add-on)
- IF Micro Pro (Instant) — Profit target: —; Daily loss: 4% (resets 17:00 EST, from higher of balance or equity); Max loss: 6% static; Profit split: 80% (90% with add-on) per program page
- IF Micro Lite (Instant) — Profit target: —; Daily loss: 3%; Max loss: 6% Smart Drawdown, tightens to 3% after +3% realised gain; Profit split: 80% (90% with add-on; 50% after first strike)
- One-Phase Pro (1-Step) — Profit target: 10%; Daily loss: 3% (resets 17:00 EST, from higher of balance or equity); Max loss: 8% static; Profit split: 80% (90% after 10% gain over 3 months or via add-on)
- Two-Phase (2-Step) — Profit target: P1 8% / P2 5%; Daily loss: 5% (resets 17:00 EST, from higher of balance or equity); Max loss: 10% static; Profit split: 80% (per one-phase/program page profile)
- Instant Funding Lite (formerly Instant Funding GO) (Instant) — Profit target: —; Daily loss: 4% (resets 17:00 EST, from higher of balance or equity); Max loss: 10% of starting balance (Smart Drawdown); tightens to 5% after +5% gain; Profit split: Not stated on the help page
- One-Phase Lite (formerly One-Phase Clarity) (1-Step) — Profit target: 9%; Daily loss: 4% (resets 17:00 EST); Max loss: 6% trailing (from highest closed balance); unrealised loss over 2% closes positions (1st breach split 50%, 2nd closes account); Profit split: 80% (up to 90% with add-on)
- Evolve (1-Step) — Profit target: 6%; Daily loss: None; Max loss: 4% end-of-day trailing drawdown, locks at starting balance; Profit split: 80%
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