Funded Trading Plus vs Instant Funding
Funded Trading Plus
Instant Funding
Computed verdict
Funded Trading Plus costs less per unit of risk: $48.04 vs $53.9 per $1,000 of drawdown. On the overall score, Funded Trading Plus comes out ahead (94 vs 73).
The verdict is computed from verified data and recomputes when the data changes. It is not an opinion and no commercial arrangement alters it. Methodology
Rule by rule
Express and Instant use a 6% relative drawdown trailing the CLOSED balance high (floating equity never moves it) that locks at the starting balance; the 2-Step Classic uses a static 8% on both phases.
Both the flagship program and the GO program use Smart Drawdown — a -10% floor that tightens to a fixed -5%-of-starting-balance floor after a 5% gain; only the One/Two-Phase and Micro challenge programs use static 4-10% floors.
A 4% daily limit (6% on Instant) whose basis is in documented conflict between the prior day's closed balance and the higher of balance or equity, plus a hard 3% per-symbol daily limit on Classic.
A hard daily limit of 2–5% by program on the higher of balance or equity at 17:00 EST, plus an extra hard rule: losing more than 50% of the day's allowance on a single trade idea also breaches.
The Classic requires no day to exceed 35% of net profit in each step, and the funded account 50% per payout period — it never fails the account, only delays passing or paying.
Checked at payout: a 40% best-day cap on One/Two-Phase and a 15% best-day cap on IF Micro and IF1 (best day of total profit, not per trade); the flagship and GO have no consistency rule.
7% per phase ($3,500), no minimum days; static 8% ($4,000) max overall loss, 4% daily.
Single phase: 10% ($5,000), minimum 3 days; 8% ($4,000) max overall loss, 3% daily.
Withdrawals begin day 1 on Express/Instant then every 7 days; the 2-Step Classic pays every 10 days. The split starts at 80/20 and rises to 90/10 at 20% profit. Beyond that, FT+'s own channels disagree: the homepage advertises "up to 100% via add-ons", while the help centre's Profit Split article documents the ladder stopping at 90/10 and no 100% tier at all. Unresolved, and we do not pick a side — until FT+ documents it, treat 90% as the ceiling you can point to in writing and 100% as unconfirmed.
First payout at 14 days on the flagship (on-demand on challenges and Micro, from $25) at 80% upgradeable to 90% — the processing time is in conflict between 24 hours and 48 business hours.
$100K 1-Step Express: $549, read on Funded Trading Plus' own site. A second-hand table puts the $50K Express at $349. For Classic we hold only the ends of the ladder, $89 at $10K and $549 at $100K, so we publish no $50K Classic figure. Size-tiered codes run on their own pages: SIZE25 covers $25K to $50K, SIZE20 covers $100K to $200K. Recurring and activation fees are undocumented rather than confirmed absent.
$50K One-Phase: $289 is the price after the 18% code TRUSTED, not a list price. Instant Funding's fees load by script and we have captured no undiscounted price at any size. Their own page runs deeper codes than that one: 42% off with BFNEW for new customers, 37% off with BF1. No activation fee is documented on the rules and account pages, but that absence was never positively confirmed.