How funding works, start to finish

From buying an account to receiving your first payout.

Updated August 23, 2026

The whole path, from buying an account to money in your bank.

1. Pick a program and a size

Three programs and four account sizes, from $25,000 to $150,000. Every plan is a one time fee. See which program suits you.

2. Connect and start trading

Your login details arrive by email after checkout. Choose a platform, connect, and you can place your first trade as soon as you are set up. See the platforms we support and their setup guides.

3. Pass the evaluation

Reach the profit target without breaching the drawdown. There is no daily loss limit to trip over. Classic needs a minimum of one trading day, Horizon three plus a 50% consistency rule while you are evaluating. Lumen Zenith skips this step entirely, because Zenith accounts start funded.

If it does not go your way, here is what happens.

4. Your account becomes funded

This happens automatically. There is no activation fee and no second phase to clear.

5. Build toward your first payout

You need five days with a profit above the threshold for your size ($100 at 25K, up to $250 at 150K), and your balance has to clear the payout buffer. Full detail in when you can request a payout.

6. Get paid

One request per payout window, twice a month, $500 minimum. You keep 90% of the profit. Approval takes up to two business days, and payment is sent the same day it is approved.

Then what?

You keep trading and keep withdrawing in each window. Consistent funded traders will eventually be reviewed for real capital under Path to Live, a program we have not opened yet.