Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | Instant Funding | Lux Trading Firm |
|---|---|---|
| Payout | ||
| Profit Split | 80% (up to 95%) | 80% |
| First Payout | 14 | - |
| Payout Frequency | On-demand / 14-day / Weekly (varies by program) | Instant (when in profit, all positions closed) |
| Max Account Size | $300,000 | $1,000,000 |
It's a Tie!
In this independent head-to-head comparison of Instant Funding vs Lux Trading Firm, we break down challenge rules, pricing, profit splits, and payout conditions to help you decide which prop firm is the better fit for your trading style.
Instant Funding: 8 Programs. $25 Min Payout. Smart Drawdown. Est. 2021.
Lux Trading Firm: A-Book Live Execution. No Daily Drawdown. Scales to $10M. Est. 2020.
Both firms score equally in our independent methodology. The best choice depends on which specific features matter most to your trading style.
BestProp Score: Instant Funding scores 8.8/10 vs Lux Trading Firm at 8.8/10.
Minimum Fee: Instant Funding starts from -; Lux Trading Firm starts from £199.
Profit Split: Instant Funding offers 80% (up to 95%); Lux Trading Firm offers 80%. Instant Funding has the higher split.
Platforms: Instant Funding supports cTrader, Match Trader, MT5; Lux Trading Firm is on MT4, MT5, TradingView, MatchTrader.
Tradeable Markets: Instant Funding covers Forex, Metals, Energy, Indices, Crypto; Lux Trading Firm offers Forex, Indices, Commodities, Crypto, Stocks.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how Instant Funding and Lux Trading Firm compare on pricing.
Instant Funding challenge fees start from –. The firm has operated since 2021. They have funded over 85,000+ traders. Total payouts to date: $18,700,000+.
Lux Trading Firm challenge fees start from £199. The firm has operated since 2020.
Instant Funding profit split: 80% (up to 95%). Lux Trading Firm profit split: 80%. Instant Funding delivers the higher cut to traders.
Payout frequency: Instant Funding pays On-demand / 14-day / Weekly (varies by program); Lux Trading Firm pays Instant (when in profit, all positions closed). Faster payouts are better for cash flow management.
Here is our full independent review of Instant Funding:
Instant Funding launched in June 2021 and is operated by Acello Ltd (company number 12696083, registered in England and Wales), with its registered address at 30 Old Bailey, London EC4M 7AU. A second entity, IF Pro Ltd, is registered in Saint Lucia (2025-00056). CEO Lewis has built one of the more established UK-rooted prop firms, with $18.7M+ in total payouts, 85,000+ registered traders, and a 4.5/5 Trustpilot score from over 4,000 reviews – a meaningful independent signal of reliability at scale.
The firm offers eight distinct programs covering instant funding, single-phase, and two-phase evaluations, with a minimum account size of $625 and maximum combined allocation of $3,840,000. The standout feature is a $25 minimum payout – the lowest threshold in the prop firm industry.
Instant Funding’s eight programs fall into three families:
No-Evaluation (Instant) Programs:
One-Phase Evaluation Programs:
Two-Phase Evaluation Programs:
The flagship Instant Funding and GO accounts use a Smart Drawdown mechanism rather than a standard static drawdown. The account starts with a 10% maximum drawdown limit. Once the trader reaches 5% net profit, the drawdown locks permanently at 5% of the starting balance. This means growing accounts receive progressively tighter floor protection – the more profit earned, the more of it is preserved. It is one of the more thoughtful risk management designs in the prop firm space.
Three platforms: cTrader, Match Trader, MetaTrader 5. Instruments span Forex, Metals, Energy, Indices, and Cryptocurrencies. No stocks or individual equities.
Instant Funding earns a 7.8 BestProp score. Five years of operation, $18.7M+ verified payouts, 4.5/5 Trustpilot from 4,000+ reviews, and an industry-low $25 minimum payout make this one of the most credibly established prop firms on the market. The Smart Drawdown mechanism is genuinely innovative, and the breadth of eight programs means most trader profiles can find a suitable fit.
The deductions come from the 80% base split (below the 90% now standard at many competitors), add-on fees for news trading and weekend holding that others include by default, public EA restrictions, and limited CEO transparency. The news trading add-on in particular is worth factoring into the total cost before purchasing. For traders who trade within standard hours on supported instruments, Instant Funding is a reliable, proven choice.
Here is our full independent review of Lux Trading Firm:
Lux Trading Firm was founded in 2020 and is operated by Lux Trading Firm Ltd (UK company #13160991, 128 City Road, London EC1V 2NX) and Lux Trading Firm ME L.L.C-FZ (UAE, #2311235.01, Dubai). CEO Oliver Olejár has built one of the most structurally distinct prop firms operating today – the only major prop firm to hold a Financial Times Award for Best A-book Prop Firm and one of the few that routes funded trades directly to the live market via FX Edge institutional liquidity. Trustpilot: 4.1/5 from 626+ reviews across five years of operation.
Most prop firms operate purely simulated accounts where the firm has no real market exposure. Lux Trading Firm’s funded accounts execute directly to the market via FX Edge, a real institutional liquidity provider. Trades are A-book routed – the firm has no conflict of interest in your success or failure, as it hedges all positions in the live market. This is the same model used by institutional prime brokers and is verified by an audited $1,000,000 track record. The Financial Times recognised this model with its Best A-book Prop Firm award – an external validation rarely achieved in this industry.
Practical consequence: a mandatory stop-loss rule on every trade. Because Lux carries real market risk on funded positions, it requires traders to protect every position with a stop-loss placed before entry. This is not a bureaucratic rule – it is a genuine risk management requirement that mirrors professional trading desk standards.
Three programs are available. All fees are in GBP.
1-Step Evaluation (£199-£999): A single evaluation phase with a profit target that varies by account size. The evaluation fee is 100% refunded after passing. Funded accounts scale up to $10,000,000 as the trader hits 10% profit targets at each funded level. No minimum or maximum trading day requirements.
INSTA Funding (£299-£699): Instant access without an evaluation phase. 12% profit target yields a one-time payout (80% of target profits). INSTA accounts do not scale and do not have copy trading access between accounts.
Prediction Markets (£85-£350): A specialist track for traders operating in prediction and event-based markets. Account sizes from £10,000 to £50,000. A 7-day free trial is available before purchasing.
Lux uses a single static maximum drawdown of 6% of the starting balance. There is no daily drawdown limit. This is one of the most trader-friendly drawdown structures in the industry – a bad session, a string of losses, or intraday volatility does not trigger an account breach unless the cumulative loss from the starting balance exceeds 6%. The drawdown never trails upward as the account grows, which means a funded $100,000 account maintains a $6,000 buffer regardless of how far it scales.
Evaluation-track funded accounts scale automatically after each 10% profit target is hit. The progression runs from the initial funded account to a maximum of $10,000,000 – the highest documented scaling ceiling of any standard prop firm program. Traders who reach elite status also access a salary program covering a stable monthly income. TPA (Traders’ Protection Authority) membership provides an additional dispute resolution layer.
Platforms: MetaTrader 4, MetaTrader 5, TradingView, MatchTrader (TraderEvolution). Instruments: Forex, Indices, Commodities, Cryptocurrencies, Stocks.
Lux Trading Firm earns a 7.8 BestProp score. Five years of operation, A-book live market execution, Financial Times award recognition, an audited track record, $10M scaling ceiling, no daily drawdown limit, and a dedicated risk manager from funded stage represent a genuinely institutional-grade prop firm offering. The 626+ Trustpilot reviews over five years reflect a firm that has delivered consistently at scale.
Traders should weigh three material constraints before purchasing. First, the mandatory stop-loss rule and 5% single-trade profit cap require disciplined trade management and will not suit every style – in particular, traders who run positions without stops or who rely on occasional large asymmetric wins. Second, the 80% profit split is below the 85-90% now standard at many newer competitors, and fees are in GBP (exchange rate exposure for non-GBP traders). Third, fully automated EAs are prohibited. For traders who accept these requirements, Lux offers one of the most credibly structured prop programs available – particularly for those who value genuine market execution over simulated environments.
Both Instant Funding and Lux Trading Firm are evenly matched in our scoring. The right choice depends on specific features that matter most to you: pricing, profit split, platforms, or trading conditions.
Use our comparison table above and review the challenge fees at both firms before making your final decision. Both offer risk-free evaluation programs — the challenge fee is the only money at risk.
Based on our independent scoring, both firms score equally. The best choice depends on your trading style, preferred instruments, and account size.
Both firms have similar entry-level pricing. Compare the full fee schedule for your target account size.
Instant Funding offers the higher profit split. Instant Funding: 80% (up to 95%). Lux Trading Firm: 80%.
EA policies: Instant Funding — check the review. Lux Trading Firm — check the review. Always verify the latest policy directly with the firm.
News trading: Instant Funding — check the review. Lux Trading Firm — check the review.
Read the full Instant Funding review → · Read the full Lux Trading Firm review →
Both Instant Funding and Lux Trading Firm are strong prop firms. The right choice depends on your trading style, preferred platform and rules. Use the side-by-side table above to compare the key metrics.
Instant Funding offers 80% (up to 95%) profit split, while Lux Trading Firm offers 80% profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
Instant Funding processes first payouts in 14 day(s), while Lux Trading Firm takes approximately - day(s). Always verify current payout timelines on the firm's website.
Neither Instant Funding nor Lux Trading Firm are regulated in the traditional financial sense — prop firms operate as private companies providing traders access to simulated or real capital. Always read the terms and conditions carefully before participating in any prop challenge.
