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Polar Funded

Instant Funding

Instant Funding — Polar Funded
Instant Simulated Trading Portfolio

Everything to know before you buy instant funding.

No evaluation. No waiting. No performance reward targets. Get a live simulated trading portfolio from $19 — and start keeping 90% of performance rewards from day one.

90%Performance Reward
$2MMax Scaling
24hPerformance Reward Program
0Performance Reward Targets

What is Instant Funding?

Most prop firms make you pass an evaluation before you can access funded capital — a two-step challenge, performance reward targets under pressure, and weeks of waiting before your first reward distribution.

Instant Funding skips all of it. You pay once. You get a simulated trading portfolio immediately. You trade your strategy from day one and keep 90% of everything you make . Here’s every question people ask us — answered straight.


8 things to know

01 /
Simulated Account Activated Immediately — no challenge required.

With a standard evaluation you pay to attempt a challenge, pass phases, and wait. The whole process can take a month or more.

Instant Funding works differently. No evaluation, no phase one, no phase two. Your account is activated automatically the moment your payment processes — credentials in your inbox within minutes of checkout.

02 /
There are only key rules. Full stop.

No performance reward targets, a 20% consistency rule applies, 7 minimum profitable trading days apply (0.5% profit each), . Just key trading rules:

RuleSimulated Trading Portfolio
Trading PeriodUnlimited
Max Daily Loss3% of account balance
Max Total Drawdown6% trailing drawdown
Performance Reward TargetNone ✓
Consistency Rule20%
Min Trading Days7 profitable days (0.5% each)
Min Hold Time2 minutes
LeverageUp to 1:33
Stay within the 3% daily loss / 6% trailing drawdown (trails your highest equity, locks at your starting balance) and your account remains active indefinitely. That’s the core framework. Additionally, a 20% consistency rule applies, 7 profitable trading days are required (0.5% profit each) before your first payout, a 2-minute minimum hold time applies to all trades, and you must place at least one trade every 30 days to avoid an inactivity breach.
03 /
You keep 90% of every dollar you make.

The performance reward is 90% to you — no tiers, no minimum thresholds, no deductions. Make $1,000 on a $25K account, you withdraw $900. No minimum reward distribution cap, no limit on reward distribution frequency once you’re eligible.

04 /
Your first reward distribution is eligible after 14 days.

Instant Funding accounts require 7 profitable trading days (0.5% profit each) before your first reward distribution. After that, request payouts as often as you like — no cooldown, no cap.

Trading activity means any open or closed trade. No win rate required, no minimum performance reward. One profitable trade (0.5%+) per day across the 5-day window is all it takes.

Minimum withdrawal: $100. No maximum — you can withdraw your full performance reward balance in one request.
05 /
Payouts processed within 24 hours — or you keep 100%.

Payouts are typically processed within 24 hours on business days, subject to review and approval. Payouts are discretionary and not guaranteed. If we miss that window, you keep 100% of that reward distribution. No questions asked.

On top of that, your account fee is fully refunded on your first successful reward distribution. The longer you trade, the less this costs. Eventually it costs you nothing.

06 /
Trade on MT5 — across forex, indices, commodities, and crypto.

Polar Funded supports the platform serious participants actually use:

MetaTrader 5
Forex pairsIndicesCommoditiesCrypto

EAs and automated trading permitted. Copy trading from other simulated trading portfolios is not allowed.

07 /
Your account size scales automatically as your performance rewards grow.

Generate 12% performance reward in any 3-month window and your account balance increases by 25% automatically. No application, no fee, no request required.

$50K → $62,500. $100K → $125,000. Maximum account size: $400,000.

08 /
The fee gets refunded. For profitable participants, this eventually costs nothing.

One-time payment — no monthly fees, no renewal charges. Use code POLAR50 at checkout for 50% off your first account.

Your fee is 100% refunded on your first successful reward distribution. If you’re a profitable participant, the initial cost is temporary.


Instant Simulated Trading Portfolios

Pick your account.
Start trading today.

All accounts include an 90% split , MT5, 24h reward distribution program, and fee refund on 2nd reward distribution.

Use code at checkout for 50% off your first account. Prices below already reflect the discount.
Instant Activation
Trading credentials delivered automatically within minutes of checkout.
🏦
24h Performance Reward Program
We aim to process within this timeframe. If we miss the window, you keep 100% of that reward distribution.
🔄
Fee Fully Refunded
100% of your account fee back on your first successful reward distribution.

Every question answered.

Everything participants ask before buying an Instant Funded account — compiled from live support.

Getting Started
How does Instant Funding work? +

Instant Funding skips the evaluation entirely. You choose your account size, pay once, and receive trading credentials immediately. No performance reward targets, no phases — your account is activated from the moment you check out.

How long does account setup take? +

Instant Funded accounts activate automatically. Most participants receive credentials within minutes of checkout. If you haven’t received a confirmation email after 10 minutes, check your spam folder first. Still nothing? Contact support with your name and purchase email.

I purchased an account but didn’t receive a confirmation email — what do I do? +

Check your spam/junk folder — automated emails sometimes land there. Allow up to 10 minutes. If it’s still not there, contact our support team via the chat widget or Contact page with the name and email used at checkout. We’ll locate your account and resend credentials immediately.

Do I need to verify my identity before trading? +

KYC verification is required before your first reward distribution is processed, but not before you begin trading. You can start trading immediately after setup and complete verification when you’re ready to withdraw.

Rules & Trading
What are the only rules on a simulated trading portfolio? +

Two limits: max 3% daily loss and 6% trailing drawdown — trails your highest equity, locks at your starting balance. You can never lose below where you started. That’s it. No performance reward targets, no consistency rules, 7 minimum profitable trading days apply (0.5% profit each), . Trade your strategy at your own pace within the .

How is the daily loss limit calculated? +

The 3% daily loss limit is calculated from your account balance at the start of each trading day. On a $25,000 account, the maximum you can lose in a single day is $1,000. Breaching this on any day closes the account.

How is the maximum drawdown calculated? +

The 6% maximum drawdown is the total maximum loss from your starting balance. On a $25,000 account, your equity cannot fall below $23,000 at any point. 6% trailing drawdown — trails your highest equity, locks at your starting balance. You can never lose below where you started.

Can I hold trades over the weekend? +

Yes. No restrictions on holding trades over weekends. News trading is not permitted 5 minutes before/after high-impact events. Otherwise, trade however your strategy requires.

Can I use EAs, bots, or automated trading? +

Yes — automated trading, EAs, and bots are all permitted. All trading activity must be generated by you. Copy trading from other simulated trading portfolios or using third-party signal services is not allowed.

What counts as trading activity for reward distribution eligibility? +

Any open or closed trade on your account. No win rate required, no minimum performance reward needed. One profitable trade (0.5%+) per day across the 5-day qualifying period is all it takes to unlock reward distribution eligibility.

Payouts
When can I request my first reward distribution? +

After 7 profitable trading days (0.5% profit each) on the simulated trading portfolio. After your first reward distribution, you can request withdrawals as often as you like — no cooldown, no cap on frequency.

How fast are payouts processed? +

Within 24 hours on business days. Once approved, funds are sent directly to your chosen withdrawal method. If we miss the 24-hour window, you keep 100% of that reward distribution.

Is there a minimum or maximum withdrawal amount? +

Minimum: $100 (or currency equivalent). No maximum — you can withdraw your full performance reward balance in one request. No restrictions on withdrawal frequency once you’re eligible.

When do I get my account fee refunded? +

Your fee is 100% refunded on your first successful reward distribution. Nothing to apply for — it happens automatically.

Platforms & Markets
Which trading platforms are supported? +

MetaTrader 5 (MT5). All accounts run on MetaTrader 5 (MT5).

What markets can I trade? +

Forex pairs, indices, commodities, and crypto across all supported platforms. Full market lists are available in your participant dashboard after account activation.

What leverage is available? +

Up to 1:33 (All instruments 1:33).

Scaling & Account Management
How does the scaling plan work? +

Generate 12% performance reward in any 3-month window and your account balance automatically increases by 25%. No application, no fee. Maximum account size: $400,000.

What happens if I breach a rule and lose the account? +

If you breach the daily loss limit or maximum drawdown, your account is closed. You can purchase a new Instant Funded account at any time. No restriction on retries or how many accounts you hold.

Can I have multiple simulated trading portfolios at the same time? +

Yes. You can hold multiple simulated trading portfolios simultaneously — across different sizes and challenge types. Each account operates independently.

Ready to access your
simulated trading portfolio?

Use POLAR50 at checkout — 50% off your first simulated trading portfolio. Start trading today.

Get Your Simulated Trading Portfolio → One-time fee · No monthly charges · Fee refunded on 2nd reward distribution

© 2026 Polar Funded · polar-funded.com

Polar Funded provides simulated trading evaluations. All accounts are demo environments. No real capital is deployed on behalf of participants during evaluation. Past performance does not guarantee future results. Trading involves significant risk of loss.

Trading involves risk. Individual results vary. Simulated trading environment. Not financial advice.

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