Finding a reliable “straight to funded” (S2F) futures prop firm can be a minefield of hidden rules. While many firms offer instant accounts to let you skip the evaluation phase, they often protect their capital with a Consistency Rule.
The consistency rule typically dictates that no single trading day can account for more than a specific percentage (e.g., 20%) of your total profit. If you have one massive “lucky” day, you aren’t disqualified, but you are forced to keep trading until your total profits are high enough that your “big day” fits within the percentage limit.
Here is the comparison of the top instant funding options for 2026.
Comparison of Instant Funding Futures Prop Firms
| Prop Firm | Account Type | Consistency Rule | Key Advantage |
| Purdia Capital (Best Instant) | S2F Instant Account | None | No profit caps or consistency hurdles for payouts. |
| Top One Futures | Instant Sim Funded | 15% – 20% | Many different options to choose from. |
| Lucid Capital | Direct Accounts | 20% | Professional interface and stable payout history. People Stack Multiple |
| Tradeify | Lightning | 20%* | Fast setup; rule scales to 30% after several payouts. Good Progression |
*Tradeify Lightning accounts start at 20% for the 1st payout, 25% for the 2nd, and 30% for the 3rd onwards.
Also if you don’t see other firms with instant funding plans then most probably they are not reliable.
1. Purdia Capital: The No-Consistency Leader
Purdia Capital has gained significant traction by removing the most frustrating barrier in instant funding: the consistency rule. While other firms require you to “smooth out” your equity curve before withdrawing, Purdia allows you to trade your strategy—whether it involves hitting home runs or small base hits—without penalizing a high-profit day. You get two options either withdraw all profits or get moved to live with that which is also great.
- Best For: Volatility traders and those who don’t want to calculate payout math daily.
- The Catch: Because they take on more risk by not having a consistency rule, their upfront activation or account fees may be higher than “Sim-to-Live” competitors.
Also See : Prop firms (Futures) with No Consistency On Evaluation
2. Top One Futures: Instant Sim Funded
Top One Trader offers a streamlined “Straight to Sim” model. Once you purchase the account, you are in the funded stage immediately. However, they enforce a 15% to 20% consistency rule (depending on the specific promotion or account tier).
- The Math: If you make $1,000 on Monday, and your rule is 20%, your total account profit must reach $5,000 ($1,000 / 0.20) before that $1,000 is fully eligible for the payout calculation.
3. Lucid Capital: Direct Accounts
Lucid Capital is known for its “LucidFlex” and Direct funding models. Their consistency rule is a firm 20%. They focus heavily on finding “repeatable” traders. If you have a windfall day that exceeds 20% of your total profit, they simply “pause” the payout eligibility of those excess funds until you trade more days and bring your average up.
Also See: Prop Firms With No Monthly Fees (Only One Time Payment)
4. Tradeify: Lightning Accounts
Tradeify’s “Lightning” program is designed for speed, but it comes with a 20% consistency requirement for your first withdrawal. A unique feature of Tradeify is that the rule actually relaxes as you prove yourself; the percentage increases to 25% and eventually 30% after you successfully take multiple payouts.
- Note: They also enforce a “Microscalping” rule where trades held for less than 10 seconds may not count toward your profit goals. (more than 50% trades should be more than a minute for profits to count not a hard breach)
Also See: I want Payouts Daily from futures firm
Understanding the “Consistency Math”
If you choose a firm with a 20% rule, you can use this formula to see when you can withdraw:
$$\text{Total Profit Required} = \frac{\text{Best Day Profit}}{\text{Consistency \%}}$$
For example, if your best day is $800$:
$$\frac{800}{0.20} = \$4,000$$
You would need a total of $4,000$ in profit to satisfy the rule.