Instant Funding One-Phase Lite: prices, rules and payouts (2026)
Instant Funding's One-Phase Lite is a 1-step challenge you can take in 5 sizes, from 5K to 100K. At 100K it's $500. You'll aim for 9% profit while keeping daily losses under 4% and total losses under 6%.
Instant Funding One-Phase Lite against other 1-Step 100K challenges
Needle = Instant Funding. Tick = the middle of 37 similar challenges.
One-Phase Lite prices by size
| Account | Price | Target | Daily loss | Max loss | Split |
|---|---|---|---|---|---|
| $5,000 | $57 | 9% | 4% | 6% | 80% |
| $10,000 | $100 | 9% | 4% | 6% | 80% |
| $25,000 | $185 | 9% | 4% | 6% | 80% |
| $50,000 | $284 | 9% | 4% | 6% | 80% |
| $100,000 | $500 | 9% | 4% | 6% | 80% |
Regular prices without promo codes, checked on 14 November 2026. Firms update prices a lot, so please double-check on their site before you buy.
Rules worth knowing
The drawdown trails: your loss limit climbs whenever your balance hits a new high, so a hot streak followed by a cold one can still cost you the account. There's no consistency rule, so one amazing day won't hold back your payout. There's no time limit, so take your time.
Other 100K challenges to consider
Here are other 1-step challenges at 100K, cheapest first. For comparison, One-Phase Lite costs $500.
| Firm | Price | Target | Max loss |
|---|---|---|---|
| FundedElite | $369 Lite 1 Step | 12% | 6% |
| Maven Trading | $380 1-Step Challenge | 8% | 5% |
| Atmos Funded | $383 1-Step Standard | 10% | 6% |
| FXIFY | $399 Lightning | 5% | 4% |
| AquaFunded | $421.60 One Step Standard | 9% | 6% |
| City Traders Imperium | $449 1-Step Challenge | 8% | 5% |
What we think
6 firms are cheaper at this size, so it's worth comparing the rules first. It has 3.1 out of 5 on Trustpilot, so read a few recent reviews before you buy.
Questions traders ask us
How much is Instant Funding One-Phase Lite at 100K?
It's $500. Depending on size, you'll pay anywhere from $57 (5K) to $500 (100K).
What target and limits come with One-Phase Lite?
You'll need 9% to pass. The daily loss limit is 4% and the overall limit is 6%, with a trailing drawdown.
How often does One-Phase Lite pay out?
Payouts come On request, then every 7 days, and you keep 80%.