Instant Funding
Instant Funding (operated by Acello Ltd in the UK and IF Pro Ltd in Saint Lucia) is a no-evaluation prop firm offering Instant Funding (smart drawdown), IF Micro, IF1 (24-hour account), One-Phase, One-Phase Micro, Two-Phase, and Two-Phase Max programs. The flagship Instant Funding account has no profit target; traders lock the smart drawdown after reaching 5% profit, with drawdown starting at −10% and tightening to −5%. Other programs follow one-phase or two-phase evaluations with profit targets between 8%–10% and fixed daily and overall drawdowns. Profit splits start at 80% and can reach 95% with add-ons. Payouts begin after 14 days (or 24 hours for IF1), with weekly or bi-weekly cycles depending on the plan. Instant Funding supports flexible trading, multiple accounts, and large combined allocations.
MT4 
MT5 
cTrader 
DXtrade 
TradeLocker
Program Type & Scaling
• Instant Funding (Smart Drawdown)
• IF Micro
• IF1 (24-Hour Account)
• One-Phase Challenge
• One-Phase Micro
• Two-Phase Challenge
• Two-Phase Max Variant
Scaling Plan
Instant Funding uses two scaling models. Smart scaling doubles the account every time 10% profit is achieved, up to $1.28M per account. Static scaling increases funded accounts by 25% every 90 days after reaching 10% profit, up to 200% of the initial balance. Combined allocations across programs can reach $3.84M.
Daily Loss Limit
2
Maximum Overall Loss
10
Drawdown Model
Smart drawdown (Instant Funding) and static drawdown (evaluation accounts)
Leverage
| Forex | 100 |
| Crypto | 2 |
Broker
Acello Ltd / IF Pro Ltd
Commissions
Raw-spread accounts charge approx. $5/lot (FX & metals), $2/lot (indices & commodities), and $1/lot (crypto). Commission-free accounts are also available.
Tradable Assets
Forex, Commodities, Metals, Indices, Cryptocurrencies
News & Event Trading
Allowed during evaluation; funded accounts require add-on to trade major news events.
Payouts & Profit Split
| Profit Split Start (%) | 80% |
| Minimum Payout Amount | $25 |
| Payout Frequency | Weekly or Bi-Weekly |
| Payout Methods | Bank Transfer, Crypto (USDT TRC20/ERC20/BEP20, BTC) |
| Payment Methods | Credit/Debit Card, Apple Pay, Google Pay, PayPal, Crypto |
Evaluation & Account Rules
| Challenges | Instant Funding offers direct funded accounts with no profit target as well as traditional one-phase and two-phase evaluation challenges with profit targets ranging from 8% to 10%, daily loss limits between 2%–5%, and overall drawdowns between 4%–10%. |
Trading Permissions
| Weekend Trades | Overnight trades allowed; weekend holding requires add-on on funded accounts. |
| Copy Trading | Allowed only between accounts owned by the same trader. |
| EA Allowed | EAs allowed if non-abusive and non-latency based. |
| Prohibited Strategies | Grid trading, latency arbitrage, reverse arbitrage, tick scalping, group account management, and system exploitation are prohibited. |
Other Details
| Refund Policy (Code) | Challenge fees are refundable after successful completion and payout. Instant Funding access fees are non-refundable once activated. |
| 3 Percent Rule (Notes) | No fixed 3% rule. Risk per trade idea must not exceed 50% of the daily drawdown limit. |
| Consistency Rule (Notes) |
|
| Indices Leverage Max | 20 |
| Metals Leverage Max | 20 |
| Days to First Payout | 14 |
| Payout Processing Time (Days) | 2 |
| Account Merge Allowed | No |
| Max Accounts per Trader | Accounts cannot be merged; multiple accounts allowed within allocation caps. |
| KYC Required | No |
| KYC Stage | KYC required before first payout. |
| Restricted Countries | Afghanistan, Belarus, Central African Republic, Cuba, Democratic Republic of the Congo, Eritrea, Guinea-Bissau, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Yemen, Zimbabwe |
| Scaling Plan Availability | No |
| Other Risk Rules |
|
| Spread Quality | Raw institutional spreads; may widen during volatility. |
| Slippage Policy | Simulated execution; slippage and gap risk apply during volatile conditions. |
| Martingale Allowed | No |
| Lot Size Limits | Lot limits apply by asset class and account size (e.g., indices capped at ~10 lots on $50K accounts). |
How does it stack up?
Compare Instant Funding against other top rated firms.
Trader Feedback
There are no public trader reviews for this firm yet. If you have traded with them, be the first to leave a short, honest review and help other traders.
Share Your Experience
Short, honest feedback helps other prop traders understand what it is really like to work with this firm.