What challenge structure does The 5%ers use for its evaluation process?

💡 Answer

The 5%ers runs three primary programs, each with its own evaluation structure and risk profile.

  • Bootcamp: A three-step evaluation where each step requires a 6% profit target with a 5% max loss. Only a partial initial fee is paid upfront, with the remainder due after passing all steps. Once funded, max loss tightens to 4% and profit target to 5%, with a structured scaling and salary path.
  • High Stakes: A two-step evaluation with 8% profit target in Step 1 and 5% in Step 2, 10% max loss and 5% daily drawdown, 1:100 leverage, and a requirement for 3 profitable trading days per phase. Suited for experienced traders seeking high leverage and faster growth.
  • Hyper Growth: A one-step evaluation with a 10% profit target, 6% max loss, 1:30 leverage, and no minimum trading days. Each 10% profit milestone doubles the account size up to $4M.

All programs include rules for stop-loss usage, inactivity, and risk management, and lead to funded accounts with scalable profit splits once the evaluation is passed.

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The 5%ers vs Goat Funded Trader vs Top One Trader - Prop Firm Comparison (March 2026)

Side-by-side comparison of The 5%ers vs Goat Funded Trader vs Top One Trader. Quickly scan maximum funding, profit splits, risk rules, leverage, platforms, instruments, payout schedules, payment options, trading permissions and KYC restrictions to narrow down your prop trading firm shortlist. Data updated March 2026.

The 5%ers vs Goat Funded Trader vs Top One Trader - Prop Firm Comparison (March 2026)
The 5%ers
The 5%ers is an established prop firm offering Bootcamp, High Stakes, and Hyper Growth programs, combining structured evaluations, strong education and community, scaling up to $4M, and profit splits that can reach 100%, with varied rule sets and limited spread...
Goat Funded Trader
Goat Funded Trader offers 1‑step, 2‑step, 3‑step, Blitz and instant funding evaluations with static or trailing drawdowns up to 5% daily and 10% overall, scaling capital up to $2 million with profit splits starting at 80% and upgrades to 95–100%...
Top One Trader
Top One Trader is a fast-growing prop firm offering simple 1-step and 2-step evaluations plus instant funding and Instant Prime accounts, with low-cost challenges, straightforward rules, EquityShield risk protection and profit splits that can reach 100% while scaling up to...
Overview
Trustpilot Rating 4.8 0 4.5
Trustpilot Reviews 21,364 0 3,012
Headquarters ISRAEL Saint Lucia United States
Age (Years) N/A 4 N/A
Max Funding $4,000,000 $2,000,000 $5,000,000
Profit Split Start 50% 80% 60%
Profit Split Max 100% 100% 100%
Platforms MT5 cTrader Match-Trader MT5 cTrader Match-Trader TradeLocker Volumetrica MT5 cTrader Match-Trader TradeLocker
Assets FX Metals Indices Energy Crypto Forex pairs; CFD indices; metals; commodities; stocks; cryptocurrencies FX Metals Indices Commodities Crypto
Leverage
FX Leverage 100 100 50
Metals Leverage 25 100 10
Crypto Leverage 2 2 2
Risk & Drawdown Rules
Max Daily Loss Maximum Daily LossDaily loss limits at The 5%ers focus on controlling intraday risk, especially within the High Stakes and Bootcamp structures.High Stakes: Daily drawdown limit of 5%, typically calculated from the previous day's closing balance, including both closed and floating PnL.Bootcamp: While the program emphasises a 5% max loss per stage rather than a separate daily cap, traders must still stay comfortably within this limit to avoid breaching.Hyper Growth: Uses a 6% overall loss cap with no separate published daily... 5 Maximum Daily LossDaily loss limits at Top One Trader are simple but strict: 1-Step and 2-Step accounts usually have a 4% daily loss cap, Instant Funding has a 3% daily loss limit and Instant Prime applies an even tighter 2.5% profile tied to the ESS metric.The daily limit is generally calculated on equity and includes both closed and floating losses; if equity falls beyond the allowed percentage in a single day, the account is considered in breach even if the loss is later recovered.
Max Total Loss Maximum Overall LossThe 5%ers defines maximum overall loss per program to cap total drawdown across each phase or funded account.Bootcamp: 5% max loss at each evaluation step and 4% max loss once funded, measured from the starting balance of the stage.High Stakes: 10% maximum overall loss for each evaluation phase and funded account, with 5% daily drawdown included.Hyper Growth: 6% maximum overall loss throughout the evaluation and funded stages, with positions allowed to be held overnight and over weekends.Breaching the... 10 Maximum Overall LossOverall loss caps depend on the program: 1-Step FLASH uses a 7% trailing max drawdown, 2-Step PRO uses an 8% static max loss from the starting balance, Instant Funding runs with a 6% trailing drawdown and Instant Prime typically keeps a 5–6% trailing max loss.For trailing accounts, the max loss tracks the highest equity until a payout is taken, at which point the level locks at the initial balance; breaching the max loss at any time results in losing the account.
Drawdown Type Drawdown ModelThe 5%ers uses fixed percentage loss limits rather than trailing equity models. Each program specifies a static maximum loss relative to the starting balance of the phase or funded stage (e.g., 5% or 10% for Bootcamp and High Stakes, 6% for Hyper Growth).Static Limits: Maximum loss is typically defined as a fixed percentage of the starting balance, and includes both closed and floating losses.Program-Specific Caps: Bootcamp and Hyper Growth are structured around relatively conservative overall loss thresholds (4–6%), while... Static for 1‑step, 2‑step and 3‑step evaluations; trailing for GOAT Blitz and instant funding; daily drawdown resets at 5 PM EST Drawdown ModelTop One Trader combines static and trailing drawdown models. 2-Step PRO accounts use a simple static 8% max loss from starting balance, while 1-Step FLASH, Instant Funding and Instant Prime rely on trailing max drawdown that follows peak equity and then locks at the starting balance when a payout is requested (Lock Upon Payout rule).The EquityShield risk engine helps enforce these limits by monitoring symbol-level and overall open risk and automatically closing trades if thresholds are exceeded.
Payouts
Payout Frequency Payout FrequencyThe 5%ers provides regular and scalable payout options across its programs.Payouts are generally available on a bi-weekly basis once funded.The minimum withdrawal amount is $150 after the profit split has been applied.Profit splits start around 50% on Bootcamp and 80% on High Stakes and can scale up to 100% as traders progress through the scaling plan.Profits can be left in the account to increase the effective drawdown buffer and support larger position sizes.At higher High Stakes and Bootcamp tiers,... Bi‑weekly; Instant Standard triple-payday every 10 days Payout Frequency1-Step and 2-Step challenge accounts pay out bi-weekly by default, with add-ons available for weekly or instant payouts after the first withdrawal. Instant Funding normally pays monthly, while Instant Prime offers bi-weekly payouts, again with minimum profit of 2% of the initial balance required to request a withdrawal.Profit splits typically start at 80–90% on challenge accounts, 60% on Instant Funding and 80% on Instant Prime, stepping up over successive payouts until they reach as high as 90–100% for long-term, consistent traders.
Days to First Payout 14 10 30
Payout Processing Time Payout ProcessingThe 5%ers typically processes profit withdrawals on a bi-weekly cycle, with payments sent after approval via Rise, The5ers Visa Card, bank transfer, or cryptocurrencies. Processing times are designed to be prompt, with most payouts completed within a few business days depending on the chosen method and any required compliance checks. 2 Payout ProcessingPayouts are requested through the Top One Trader dashboard and are routed via Rise (Riseworks) to bank transfer or cryptocurrency. Approved withdrawals are often processed within about 24 hours, although exact timing can vary with the chosen method, weekends and additional compliance checks.
Payout Methods Bank Transfer Crypto Rise Platform The5ers Visa Card Rise; Crypto; Skrill Bank Transfer Crypto via Rise (Riseworks)
Payments
Payment Methods Apple Pay Bank Transfer Credit/Debit Card Crypto Google Pay PayPal Credit/debit card; PayPal; crypto Credit Card Crypto
Trading Permissions
News Trading News trading is allowed on most The 5%ers programs with important restrictions.Bootcamp and Hyper Growth: News trading is permitted, but placing bracket orders (pending orders around major news purely to capture spikes) is prohibited.High Stakes: Executing orders from 2 minutes before until 2 minutes after high-impact news is not allowed.These rules are intended to prevent abusive event-driven strategies while still allowing normal trading around news where permitted. Allowed; but trades opened or closed within 5 minutes of high‑impact news may only generate up to 1% profit of initial balance News trading rules depend on the program. Evaluations are typically more flexible, but on funded and instant accounts it is prohibited to open, modify or close positions within 5 minutes before or after designated high-impact news on the affected instrument. Instant Prime provides more flexibility when combined with relevant add-ons, but bracket-style and pure spike-catching news strategies are still not allowed.
Weekend Trades The 5%ers allows overnight and weekend holding on most instruments across Bootcamp, High Stakes, and Hyper Growth programs, subject to normal market hours and swap rates. Indices may carry higher swaps when held over weekends, and traders should monitor rollover costs carefully. yes Overnight and weekend holding is allowed on 1-Step FLASH and 2-Step PRO accounts subject to normal swap charges. Instant Funding accounts require a weekend add-on to hold trades over the close; without it, positions should be closed before markets shut to avoid soft or hard breaches.
Copy Trading The 5%ers permits copy trading with clear limitations.Copy trading is allowed for High Stakes and Hyper Growth accounts under defined conditions.Once total managed capital exceeds about $500K, taking identical trades across multiple accounts is no longer allowed.Copying from an external account is only allowed if that account belongs to the same trader; third-party copy trading is not permitted.Copy trading is not allowed between two Bootcamp accounts.The firm also integrates with Prop Firm One, enabling traders to mirror their own strategies... No (duplicating trades across accounts is prohibited) Manual copy trading is allowed only between your own challenge accounts on supported platforms, and not on funded or instant funded accounts. Copying between different users, mirroring trades across large groups of accounts or hedging between accounts and firms is prohibited. Violations can lead to profit removal, account resets or termination.
EA Allowed Expert Advisors (EAs) are allowed at The 5%ers as long as they comply with the firm’s terms.EAs must place a stop-loss on every position.EAs must not copy trades from other people’s signals or third-party systems.Tick scalping, latency arbitrage, reverse arbitrage, hedge arbitrage, and emulator-based trading are not allowed.Any account found using EAs that violate these rules can be cancelled, banned, and not refunded across all programs, including Bootcamp and Hyper Growth. Expert Advisors are permitted provided they are not high‑frequency or arbitrage systems; they must be original and not marketed for passing challenges, and the trader may be asked to prove ownership by supplying the code. Expert Advisors are allowed on 1-Step FLASH and 2-Step PRO evaluation accounts provided they are customised to the trader, fully disclosed and not commercial grid, martingale, latency or arbitrage systems. EAs are not permitted on funded and instant accounts, where trading is expected to be manual or semi-manual under the firm’s risk rules.
KYC & Restrictions
KYC Required No No No
KYC Stage The 5%ers requires standard KYC verification and account checks, particularly before funding accounts and processing withdrawals. Traders should expect to provide identification and relevant documentation in line with regulatory and payment-provider requirements. After passing the evaluation and before receiving the funded account and first payout Top One Trader applies standard KYC and AML checks. Traders must complete identity verification and, where required, provide proof of address or other documents before receiving funded accounts and before withdrawals are processed through Rise and other payment providers.
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