Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | Elites Funding | FundsCap |
|---|---|---|
| Payout | ||
| Profit Split | 80% (up to 90%) | Up to 90% (2-Step) / 70% (Instant) |
| First Payout | 10 | - |
| Payout Frequency | Daily (after 10 trading days funded) | On request (up to 72h processing) |
| Max Account Size | $200,000 | $500,000 |
In this independent head-to-head comparison of Elites Funding vs FundsCap, 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.
Elites Funding: Gibraltar, Est. 2023. Fee Refunded on Passing. 24h Payout Guarantee. Daily Payouts.
FundsCap: Best Two Step Challenge 2025. 12% Max DD. From $49. 38,000+ Traders.
Based on our independent scoring methodology, FundsCap scores 8.3/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: Elites Funding scores 8.2/10 vs FundsCap at 8.3/10.
Minimum Fee: Elites Funding starts from $95; FundsCap starts from $49. FundsCap is cheaper at entry level.
Profit Split: Elites Funding offers 80% (up to 90%); FundsCap offers Up to 90% (2-Step) / 70% (Instant). FundsCap has the higher split.
Platforms: Elites Funding supports MT5, TradeLocker; FundsCap is on MT4, MT5.
Tradeable Markets: Elites Funding covers Forex, Crypto (BTC, ETH, SOL, XRP), Indices, Commodities, Gold; FundsCap offers Forex, Indices, Commodities, Crypto.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how Elites Funding and FundsCap compare on pricing.
Elites Funding challenge fees start from $95. The firm has operated since 2023. They have funded over 40,000+ traders. Total payouts to date: $12,000,000+.
FundsCap challenge fees start from $49. The firm has operated since 2023. They have funded over 38,000+ traders.
On entry-level pricing, FundsCap offers a lower starting fee — an important factor if you are testing with a smaller account first.
Elites Funding profit split: 80% (up to 90%). FundsCap profit split: Up to 90% (2-Step) / 70% (Instant). FundsCap delivers the higher cut to traders.
Payout frequency: Elites Funding pays Daily (after 10 trading days funded); FundsCap pays On request (up to 72h processing). Faster payouts are better for cash flow management.
Here is our full independent review of Elites Funding:
Elites Funding was founded in 2023 and is operated by MASTERLABS LIMITED (Registration #123237), headquartered in Gibraltar. The firm has paid out $12M+ to 40,000+ traders across 140+ countries, and holds a 4.6/5 Trustpilot rating from 240+ reviews. Maximum initial account size is $200,000, scaling to $300,000 with performance milestones. All accounts operate on MetaTrader 5 or TradeLocker. Challenge fees are fully refunded upon successful challenge completion.
A standout operational feature: Elites Funding offers a 24-hour payout guarantee — if processing exceeds 24 hours, the firm pays an extra $1,000. Payouts are available daily after 10 trading days on funded accounts.
Standard 2-Phase ($95-$949 for $10K-$200K): Phase 1: 9% profit target. Phase 2: 5% profit target. Daily loss: 5%. Max drawdown: 10% static. No consistency rule. News trading permitted. Fee refunded on passing. Up to 90% split. Best for traders who prefer two-phase evaluation with wider drawdown buffers and a lower Phase 1 target than single-phase programs.
Express 1-Phase ($105-$1,090 for $10K-$200K): Single phase, 10% profit target. Daily loss: 3%. Max drawdown: 6% static. No consistency rule. News trading permitted. Fee refunded on passing. Up to 90% split. Tighter drawdown parameters than Standard, but single-phase completion and a slightly higher entry fee premium.
Instant Funding ($157-$525 for $10K-$50K): No evaluation required. No profit target. Daily loss: 3%. Max drawdown: 5% trailing (not static — the drawdown ceiling moves with equity peaks). On-demand funded access. Up to 90% split. The trailing drawdown means traders must be careful not to give back profits — the ceiling locks at the highest equity reached.
Platforms: MetaTrader 5, TradeLocker. Instruments: Forex, Crypto futures (BTC, ETH, SOL, XRP), Indices (NAS100, SPX500, JPN225), Commodities (USOIL, Gold, Silver, Copper). Both MT5 and TradeLocker are accessible at no extra cost within the same program.
Elites Funding earns a 7.0 BestProp score. Founded in 2023 by Gibraltar-registered MASTERLABS LIMITED, the firm has built a credible early track record: 4.6/5 Trustpilot, $12M+ paid, 40,000+ traders. The 24-hour payout guarantee with $1,000 penalty is a meaningful accountability commitment. Fee refund on successful challenge completion removes downside risk. No consistency rule and news trading permitted on all programs add flexibility. Daily payouts after 10 days is fast for the industry.
Key limitations: EAs are completely prohibited — making Elites Funding unsuitable for any algo or semi-automated trader. Payouts are issued exclusively in USDT ERC20 — traders who prefer bank wire or other crypto must convert after withdrawal. The 240+ Trustpilot review count, while positive, is modest for a firm claiming 40,000+ traders. The $200K account ceiling (before scaling) and Gibraltar registration place this in the mid-tier. A solid choice specifically for manual traders who prioritise daily payouts and guaranteed processing speed.
Here is our full independent review of FundsCap:
FundsCap was founded in 2023 and operates through a Saint Lucia-registered entity with a physical office in Costa Rica. The firm has attracted 38,000+ traders and holds a 4.6/5 Trustpilot rating with 89% five-star reviews. FundsCap won two categories at the FundedTrading Awards 2025: Best Two Step Challenge and Best Prop Firm for Beginners. Maximum account size on the 2-Step program is $500,000. All accounts operate on MetaTrader 4 and MetaTrader 5.
The 2-Step program stands out for its 12% maximum drawdown — significantly wider than the 8-10% typical among competitors — paired with a 6% daily loss limit. This gives traders meaningful room to manage normal daily volatility without account termination. Zero payout fees and no inactivity cost outside the 15-day trading requirement add to the operational cleanliness.
2-Step Challenge ($49-$2,389 for $5K-$500K): Phase 1: 8% profit target. Phase 2: 5% profit target. Daily loss: 6% (balance-based). Max drawdown: 12% (balance-based, static). No time limit on either phase. Up to 90% profit split on funded accounts. Minimum account reset fee: 10% of the challenge price. A 15-day inactivity rule applies — at least one trade must be placed within any 15-day window. Best in class for maximum drawdown buffer among standard evaluation programs.
Instant Challenge ($258-$978 for $25K-$100K): No profit target. Daily loss: 3%. Max drawdown: 8% (static). 70% profit split. Immediate funded access without evaluation. Available only up to $100K — smaller range than the 2-Step program. Tighter daily limit (3%) offsets the lower maximum drawdown requirement.
Platforms: MetaTrader 4, MetaTrader 5. Instruments: Forex, Indices, Commodities, Cryptocurrencies. Standard CFD instrument set covering all major categories. $0 withdrawal fees.
FundsCap earns a 7.2 BestProp score. The 12% maximum drawdown on the 2-Step program is the widest buffer available at this price point ($49 for $5K) in the market — this single feature makes FundsCap particularly suitable for traders who employ strategies with higher intraday variance but consistent results over time. The dual FundedTrading Awards 2025 recognition provides third-party validation, and 38,000+ traders on a 4.6/5 Trustpilot is a solid credibility foundation for a two-year-old firm.
Watch points: the Instant Challenge is limited to $100K maximum and pays only 70% — traders seeking both instant access and high split will need to look elsewhere. The 15-day inactivity closure rule is stricter than most competitors. Payout methods are not clearly published on the main website — confirm withdrawal options before purchasing larger accounts. The Saint Lucia/Costa Rica entity structure is common but adds a layer of opacity compared to UK or EU-registered competitors.
Overall, our independent scoring gives FundsCap the edge in this 2026 comparison. However, both firms have their merits. If Elites Funding better matches your specific trading style, instruments, or preferred platform, it may still be the right choice for you.
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, FundsCap scores higher overall (8.3/10). The best choice depends on your trading style, preferred instruments, and account size.
FundsCap offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
FundsCap offers the higher profit split. Elites Funding: 80% (up to 90%). FundsCap: Up to 90% (2-Step) / 70% (Instant).
EA policies: Elites Funding — check the review. FundsCap — check the review. Always verify the latest policy directly with the firm.
News trading: Elites Funding — check the review. FundsCap — check the review.
Read the full Elites Funding review → · Read the full FundsCap review →
Based on our scoring methodology, FundsCap edges ahead in this comparison. However, the best choice depends on your trading style, preferred platform and account size. Read the full breakdown above for a detailed verdict.
Elites Funding offers 80% (up to 90%) profit split, while FundsCap offers Up to 90% (2-Step) / 70% (Instant) profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
Elites Funding processes first payouts in 10 day(s), while FundsCap takes approximately - day(s). Always verify current payout timelines on the firm's website.
Neither Elites Funding nor FundsCap 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.
