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Best Funded Trading Accounts
Proprietary trading allows you to access sometimes massive trading capital without having to build or risk your personal funds in order to trade, making this trading approach one of the fastest-rising trends in the market.
With funded trading accounts, proprietary trading firms provide you with their own or outside investor capital, allowing you to keep a share of profits while following strict risk rules.
In the article below, you’ll find the leading firms today when it comes to the overall quality of their funded trading accounts.
Best Funded Trading Accounts in February 2026
FundedNext
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
FundedNext offers multiple evaluation models, catering to both fast-track traders and those who prefer a more structured approach. With support for multiple trading platforms, a dedicated account manager, strong community presence, and competitive payouts, this firm remains a clear industry leader today.
- •Dedicated account manager
- •Multiple evaluation and instant funding models
- •Large trader community
BrightFunded
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
BrightFunded has quickly made a name for itself with its aggressive scaling plan, trader loyalty rewards, and profit splits that reach 100% on upper tiers. The firm provides a clean rulebook, and multi-asset access. Its “unlimited” scaling model, combined with fee discounts for long-term loyal traders, makes it a standout for those seeking multi-year growth with one firm.
- •Unlimited scaling potential
- •Loyalty benefits with fee reductions
- •Multi-asset trading on MT4/MT5
Funded Trading Plus
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
Funded Trading Plus stands out because its challenges have no time limits. Traders are free to pass evaluations at their own pace, making this one of the most trader-friendly environments available. In our opinion, this firm is an excellent choice for swing traders and traders with irregular schedules.
- •No time limits on challenges
- •Instant funding available
- •Multi-asset support
OFP Funding
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
OFP Funding (also branded as OFP) is a UK-based proprietary trading firm specialising in instant-funded accounts with no traditional challenge phases. Traders purchase a funded account from day one, trade according to rules, and can withdraw profits promptly.
- •Instant-funded accounts with no profit targets required
- •Profit split of 100%
- •Great variety of trading platforms
PipFarm
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
PipFarm adds a gamified experience to funded trading. Traders “level up” through XP-based progression, unlocking larger accounts, higher profit splits, and better conditions. It’s designed for traders who enjoy milestone-driven development and want a more structured path to scaling.
- •XP progression & tier upgrades
- •Lifetime loyalty system
- •Zero withdrawal fees
FTMO
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
FTMO remains the gold standard in CFD-based funded trading. Its two-step evaluation is transparent and has one of the best track records in the industry. With deep educational resources, powerful analytics, and dependable payouts, FTMO appeals to serious traders with structured systems and consistent approaches.
- •Detailed risk management rules
- •Advanced analytics suite
- •Strong global trader community
Top 3 Funded Trading Accounts - Our Picks for 2026:
FundedNext
BrightFunded
Funded Trading Plus
Types of Funded Trading Accounts
A funded trading account is an arrangement where the proprietary firm provides the trading capital while the trader is responsible for executing the strategy under predefined rules.
There are three main types of funded accounts:
Evaluation-Based Funding
This is easily the most widespread model and serves as the industry’s foundation.
You usually pay a one-time fee (often refundable), and then attempt to pass the firm’s evaluation process. For a long time, the industry standard was the two-step evaluation process, but in recent years, more and more firms also offer one-step evaluation.
No matter the option, you will have to follow clearly defined rules, including profit targets and risk thresholds. If you manage to pass the evaluation, you will gain access to a funded account and can then start earning real payouts based on your performance and profit split rules set by the firm.
This path is generally the most cost-effective and offers the largest long-term scaling opportunities, but it requires proving consistent performance.
Instant Funding
Another new and rising trend in the proprietary trading space are instant funding accounts, which remove the concept of evaluation entirely.
Naturally, this approach comes with a much higher upfront fee, but you can in turn start earning money from day one.
This model is more suited to experienced traders with a clearly developed proprietary trading strategy, as the trading rules with an instant funding account are much tighter in terms of risk management, while usually also coming with smaller account sizes in order to balance a firm’s exposure.
Subscription + Allocation Models
A smaller number of firms also offer a more unique model based on subscriptions and allocation, completely shifting the focus from evaluation challenges to long-term strategy evaluation.
These firms often track your performance, consistency and risk management using a scoring system, and you earn a performance fee on the investor’s profits, like the compensation structure used in hedge funds usually works.
This model is best-suited to systematic and algorithmic traders who want to trade in a more institutional-style environment with higher degree of regulation, and those looking to make a name for themselves and start attracting outside client capital.
Is a Funded Account the Right Choice for You?
This type of trading is certainly not for everyone, as it often comes with difficult and demanding evaluation programs and rules, but if you can prove yourself consistently enough to get access to a funded trading account, it can also be an excellent way to make money trading without risking your own capital.
However, traders who rely heavily on emotion-driven decision-making, frequently exceed risk limits, or do not yet have a validated strategy may find it challenging to operate within the strict parameters of funded programs.
For traders who are ready to treat trading as a disciplined, process-driven craft, funded accounts represent one of the most efficient ways to access significant capital and accelerate long-term growth.