One step, two steps, or instant funding: what you are actually choosing
363 one-step, 258 two-step and 202 instant plans are recorded here. The model changes the rules far more than it changes the price.
Updated 13 September 2026
Two steps
The traditional structure: a first phase with a higher profit target, then a verification phase with a lower one. Targets are usually around 8% then 4–5%.
It takes longer, but the drawdown allowance is generally more generous and the rules are usually the least aggressive of the three. If you trade a strategy that needs room and time, this is normally the honest choice.
One step
One target, one phase, funded sooner — and now the most common model here at 363 plans. The trade-off is almost always a tighter drawdown, a stricter consistency rule, or both.
Read the consistency rule carefully on one-step plans. A profit-concentration limit is what most often stops an otherwise passing account.
Instant funding
No evaluation. You pay more up front and trade a funded account immediately, with the tightest drawdown of the three and often a lower profit split.
Instant plans usually carry the smallest room for error. They suit a tested, consistent strategy rather than one you are still finding, and the higher fee is not recoverable if the account breaches in the first week.
Choosing
Match the model to your strategy, not to your impatience. A swing trader on an instant plan with intraday trailing is paying for the privilege of being stopped out by their own open position.
The explorer lets you filter by steps and hold the account size fixed, which shows what each model really costs at the size you intend to trade.