Instant Funding Prop Firm Review

This review looks at Instant Funding, a prominent UK-based proprietary trading company known for giving traders rapid access to capital.

Is Instant Funding a scam?

No.

Based on our testing and long-term use, Instant Funding operates as a trustworthy prop firm with consistent payouts and clear terms.

In practice, the strongest sign of reliability in an instant-access prop firm is a repeatable payout process paired with rules that are specific, visible, and consistently enforced.

Sign up with Instant Funding now!

Tip: Use the code Funding10 to receive a 10% discount.

Share your experience with Instant Funding in the comments section.

• Instant Funding is a legitimate UK prop firm with named owners, a physical office, and a partnership with ThinkMarkets, plus industry recognition.
• Traders can start trading without an evaluation in certain models, scale earnings with leverage, and keep up to 90% of profits.
• This review explains funding models, unique features, trading rules, strengths, and drawbacks in detail.

Founded by Lewis James Mansbridge and Will Shearer in 2020, the firm went public in 2022 after a year of quiet testing. Since then, the team grew from two people to 30+ and relocated to a dedicated office in London. In 2023, they rebranded, launched a large Discord community, and surpassed 25,000 traders. Their “HelpingHand” campaign drew many traders after a rival firm’s collapse.

• Overview of Instant Funding
• Name: Instant Funding
• Website: — use code Funding10 for a 10% discount
• Company: Acello Ltd.
• Address: 13 Bampton Ct, Hursley Rd, Chandler’s Ford, Eastleigh SO53 2TA, United Kingdom
• CEO: Lewis James Mansbridge, Will Shearer
• Founder: Lewis James Mansbridge, Will Shearer
• Founded: 2020
• Contact: Live chat, email
• E-Mail: [email protected]
• Phone Number: Not available
• Starting Capital: $1,250 to $200,000
• Profit Share: 80% to 90%
• Evaluation: None for instant funding accounts
• Fee: $79 to $3,460
• Payment Methods: Credit card
• Instruments: CFDs
• Platform: DXtrade
• Withdrawals: Weekly
• Languages: English, French, Italian, Spanish, Dutch, Portuguese, German

The firm emphasizes modern tech to improve the trading environment. Roughly 80% of revenue is from returning clients, and they distribute more than $300,000 per month to traders on average.

Instant Funding is operated by Acello Limited, owned by Lewis James Mansbridge and Will Shearer, registered in England and Wales with roots in Eastleigh and a recent headquarters move to London. The company employs 30+ team members to support traders.

Security and fraud prevention are taken seriously. The firm has a clean track record for timely payouts, strong Trustpilot feedback, and generally positive discussion on Reddit.

The service is available to traders in 180+ countries, with restrictions in sanctioned or high‑risk jurisdictions such as Afghanistan, North Korea, and Iran. Highlights include:

• Australia: Registration available.
• Canada: Registration available.
• Ghana: Registration available.
• Hong Kong: Registration available.
• India: Registration not available.
• Ireland: Registration available.
• Kenya: Registration not available.
• New Zealand: Registration available.
• Nigeria: Registration available.
• Pakistan: Registration available.
• Philippines: Registration available.
• Singapore: Registration available.
• South Africa: Registration available.
• United Kingdom: Registration available.
• United States: Registration available.

There are three funding models: Instant Funding, Single-Phase, and Two-Phase. The instant model lets you start trading immediately, while the other two require reaching a profit target before transitioning to a funded account.

Compared with evaluation-based models, instant access is mainly about speed and simplicity (no challenge phase and no waiting to “pass”). In return, the risk profile can feel different: you are trading right away under firm drawdown limits, and there is less of a built-in “filter” that forces you to demonstrate consistency before scaling.

• Instant Funding Account
• Single-Phase Evaluation
• Two-Phase Evaluation

This track bypasses any test, allowing experienced traders to start trading right away on a funded account.

Accounts can scale up to $1.28 million. A 10% Smart Drawdown helps manage risk during volatility. The profit split starts at 80% and can grow to 90% with scaling.

For many traders, the biggest benefits of instant access are time-to-market (you can execute your plan immediately) and flexibility (no evaluation objectives to manage). However, it is usually best suited to traders who already have a tested approach and strong self-imposed risk controls; evaluation-based paths can be a better fit if you prefer to “prove” consistency first or want the structure of a defined target and rules before going live.

Instant access can be a great tool for disciplined traders, but it also removes the evaluation “speed bump,” so sizing and leverage discipline matter more than usual.

Tip: Use Funding10 for 10% off.

The one-step model gives immediate account access with one objective: achieve a 10% profit target on the starting balance. No time limit applies. Leverage is up to 1:100, and successful traders can scale to as much as $1.6 million with an 80%–90% profit split.

Tip: Use Funding10 for 10% off.

This track splits the profit target into two stages: 8% in Phase 1 and 5% in Phase 2, both with no time limit. Leverage is up to 1:100. Scaling can reach $1.6 million, with a 10% Smart Drawdown and an 80%–90% profit split.

Tip: Use Funding10 for 10% off.

Traders must follow these rules during the evaluation and after receiving a funded account:

• Profit Target
• Profit Split
• Trading Period
• Minimum Trading Days
• Maximum Daily Loss
• Maximum Loss
• Maximum Position Size
• Maximum Capital Allocation and Multiple Accounts
• Trading Types
• Leverage
• Trading Style
• Trading Hours
• News Trading
• Weekend and Overnight Trading
• Expert Advisor
• Copy Trading

Instant funding accounts have no profit target. Single-Phase requires a 10% gain, and Two-Phase requires 8% in Phase 1 and 5% in Phase 2. After meeting the goal, you transition to a live funded account.

Both Single-Phase and Two-Phase start at 80/20 in the trader’s favor and can rise to 90% as you scale. Instant Funding also starts at 80% and scales to 90% with consistent performance.

Evaluation paths offer a stronger starting split because the trader demonstrates skill before funding. Instant funding begins slightly lower to balance firm risk.

No maximum trade duration applies.

No minimum trading days are required. You can advance as soon as you hit the target.

Instant Funding accounts have no daily drawdown limit, which increases flexibility and risk. Single-Phase accounts use a 3% daily drawdown, while Two-Phase accounts use 5%.

This is one of the practical risk-management differences between instant access and evaluations: evaluations add a daily loss “guardrail,” while instant access can feel freer day to day but still leaves you exposed to hitting the overall loss cap quickly if you overtrade or oversize.

On Instant Funding accounts, total loss is capped at 10% of initial capital. On evaluated accounts (Single-Phase and Two-Phase), the maximum loss aligns with the account price, offering more room to manage risk.

A common risk unique to instant access is behavioral: because you skip the proving phase, it can be easier to ramp leverage too early, especially after a quick win or a quick loss. Evaluation-based models can reduce that tendency by forcing a step-by-step progression before scaling up.

No hard cap on position size applies across account types.

You may hold multiple accounts, with a combined cap of $2.5 million. Scaled accounts can be merged for convenience.

Trading is available across supported CFDs, including Forex, cryptocurrencies, indices, and commodities.

Leverage is up to 1:100 on major currency pairs, up to 1:20 on indices and commodities, and up to 1:2 on cryptocurrencies due to higher volatility.

Certain strategies are banned to prevent rule abuse and market manipulation.

Prohibited strategies include:

• Martingale: Increasing trade size after losses.
• Grid Trading: Layering buy/sell orders at fixed intervals.
• High-Frequency Trading: Sub-5-second execution aimed at micro moves.

Trading runs from 8:00 a.m. to 6:00 p.m. UK local time on business days. Positions should be closed one hour before the market closes; otherwise, they are auto-closed 30 minutes before the close.

News trading is allowed, though instant funding accounts may face slippage around major releases.

Overnight and weekend positions are allowed after enabling the option in the dashboard. Weekend leverage is reduced to 70%.

Only expert advisors provided by the firm are permitted.

Copy trading is allowed between accounts owned by the same person. Cross‑owner copying is not permitted.

Trading is conducted on DXtrade, which features a user-friendly interface and straightforward dashboards.

Available instruments include major, minor, and exotic Forex pairs, metals, commodities, indices, and selected crypto assets.

Forex Majors:

• EURCAD
• CADJPY
• CHFJPY
• EURCHF
• EURGBP
• EURJPY
• EURUSD
• GBPCAD
• GBPCHF
• GBPJPY
• GBPUSD
• USDCAD
• USDCHF
• USDJPY

Forex Minors:

• AUDCAD
• AUDCHF
• AUDJPY
• AUDNZD
• AUDUSD
• CADCHF
• EURAUD
• EURNOK
• EURNZD
• NZDCAD
• NZDCHF
• NZDJPY
• NZDUSD
• GBPAUD
• GBPNZD
• USDNOK
• USDSEK
• USDSGD

Forex Exotics:

• EURHUF
• USDBRL
• USDCHN
• USDHUF
• USDMXN
• USDTRY
• EURTRY
• USDZAR
• EURCZK
• EURPLN
• EURZAR
• GBPZAR

Metals:

• XAGUSD
• XAUUSD
• XAUEUR

Commodities:

• WTI (1 Lot = 100 Barrels)
• Brent (1 Lot = 100 Barrels)

Key Indices:

• AUS200
• ESTX50
• FRA40
• GER40
• UK100
• JPN225
• NAS100
• SPX500
• US30

Secondary Indices:

• CHINA50
• HK50
• SPAIN35
• USD INDEX
• VIX
• US2000
• TAIEX

Crypto:

• BTCUSD (1 lot = 1 BTC)
• ETHUSD (1 lot = 1 ETH)
• LTCUSD (1 lot = 1 LTC)
• BCHUSD (1 lot = 1 BCH)

Instant Funding is featured among the best prop trading firms without an evaluation and also ranks in our overall top list.

The firm partners with ThinkMarkets, a well-regarded broker that enhances execution and reliability.

Beyond its funding programs, Instant Funding does not sell tools, courses, or consulting. The team focuses on creating trading opportunities and supporting new traders.

Pricing for the Single-Phase and Two-Phase evaluations is aligned across tiers.

Instant Funding account pricing is as follows:

All major credit cards are accepted, and deposits typically clear instantly if funds are available.

The first payout can be requested 14 days after your initial trade. After that, you can request a payout every seven days. Payments are processed via Rise, with options for bank transfer or crypto. The minimum withdrawal is $25, and processing is typically within 24 hours, though not guaranteed.

Getting started is straightforward:

• Visit the website and navigate to the account models, then select Start Trading.
• Begin signup.
• Provide your country, name, email, phone, and create a strong password.
• Agree to the terms and conditions and privacy policy; marketing consent is optional.
• Create your account.
• Log in to your dashboard.
• Complete your profile and choose an account type.
• Apply Funding10 at checkout for a 10% discount.

Identity verification is required. Funded accounts verify immediately after signup. For Single-Phase and Two-Phase, you can verify at first payout, but completing verification early helps avoid delays.

A 10% discount is available on all accounts with the code Funding10. Promotions can change, and no additional vouchers are active at this time.

No free trial or demo account is offered. Access requires purchasing a program.

There is no dedicated mobile app, but the website is mobile-friendly and works well in a browser.

Support is responsive and helpful. Average live chat wait time is around 43 seconds based on our experience.

A comprehensive FAQ covers common questions.

Tax obligations on trading profits are the trader’s responsibility. Report income and pay taxes according to your jurisdiction. In the United States, prop trading earnings are taxable. Consult a qualified tax professional for guidance.

Alternatives worth considering:

FundedNext offers a profit split up to 95% with rapid scaling and an active trader community.

An invitation-only program that accepts up to 20 traders per month provides proprietary tools and resources to expand opportunities.

Topstep, headquartered in Chicago, lets you keep the first $10,000 in profits and then moves to a 90/10 split, with rules designed to support trader success.

Instant Funding lets you start trading quickly through multiple funding models: Single-Phase, Two-Phase, or Instant Funding. High leverage can amplify gains, and the profit split can reach 90%.

Although some strategies are restricted, the rules are relatively flexible. You get a broad range of instruments, fast withdrawals, and responsive support.

When comparing instant access to evaluation-based models, the trade-off is straightforward: instant access prioritizes speed (no challenge and fewer steps), while evaluations prioritize a structured proving process before going live. Instant access can be “better” if you already trade consistently and want to deploy immediately; evaluations can be “better” if you want a framework that enforces discipline and reduces the chance of rushing into oversized risk.

Sign up with Instant Funding now!

Tip: Use Funding10 to save 10% on your purchase.

Bottom line: Instant Funding is a transparent, well-run prop firm that fits many traders’ needs and is worth trying if you want to accelerate your trading journey.

Below are answers to common questions about Instant Funding.

Is Instant Funding Legit or a Scam?

Our research and hands-on testing indicate Instant Funding is legitimate. They have operated for years with thousands of traders and a reputation for reliability.

Is Instant Funding Regulated?

No. It is not a broker and therefore not regulated like one in the US or elsewhere. This structure enables faster iteration without brokerage-specific oversight.

What Is Instant Funding?

Instant Funding is a proprietary trading company owned and operated by Acello Limited.

Which Broker Does Instant Funding Use?

The firm partners with ThinkMarkets.

How Many Instant Funding Accounts Can I Have?

You may hold multiple funded accounts up to a combined allocation limit of $2.5 million.

Where Is Instant Funding Based?

The company originated in Eastleigh, United Kingdom, and has moved its headquarters to London.

Does Instant Funding Allow Expert Advisors or Copy Trading?

Copy trading is allowed only between your own accounts. You may use only the firm’s provided expert advisors.

Is Instant Funding Legal in the US?

Yes. The program is accessible in the USA and most European countries, with availability in 180+ countries overall.

How Long Has Instant Funding Been Operating?

The firm has been active since 2020 and has grown quickly, now serving more than 25,000 traders.

How Much Does Instant Funding Cost?

Pricing varies by account type. Entry fees start at $79 for the smallest instant funding tier.

How Often Does Instant Funding Pay Out?

The first payout is available 14 days after your first trade. Subsequent payouts can be requested weekly.