Funded Trading Plus is a simulated proprietary trading firm that offers three routes to a funded account and pays real rewards on the simulated profit a trader generates. It fits US-based forex, index, and metals traders who want flexible trading rules, weekly payouts, and a documented path to a 100% profit split, as long as they can trade comfortably inside a trailing maximum drawdown. Anyone chasing the cheapest possible entry, or anyone who specifically wants a fixed loss floor with no secondary rules attached, should read the route-by-route breakdown first, because the right product here turns almost entirely on a single decision.
How Funded Trading Plus Works
Everything at Funded Trading Plus happens in a simulated environment using virtual funds. No real capital is traded. A trader buys an evaluation or an instant account, meets the simulated objectives, then trades a simulated funded account where performance converts into real-world payouts under the firm’s profit-split terms.
The business traces back to 2013, when it operated as Trade Room Plus, and has run its prop program since 2021. It reports more than 60,000 traders and over $19.5 million paid in trader rewards. The detail that matters most to a US audience is simpler: FT+ still accepts US traders and still offers MetaTrader 5, at a time when a wave of firms either dropped US clients or shut down entirely. That alone puts it on the shortlist for a lot of American traders who lost their previous firm.
Three products lead into the same funded account. The route a trader picks changes the price, the risk model, and the rules they have to respect.
The Three Funding Routes
1-Step Express
The 1-Step Express asks for a single 10% simulated profit target. The hard limits are a 4% daily loss and a 6% trailing maximum loss, with 1:30 leverage. There is no minimum number of trading days, no time limit, and no consistency requirement. News trading is allowed, and positions can be held over the weekend.
The selling point is what is absent. This route carries no soft rules at all, so the only way to fail is to breach the daily or maximum loss limit. A trader who hits 10% on day one passes on day one. That combination of a single target and a clean rulebook is why the 1-Step works as the default choice for most buyers, and it scales further than the other routes, reaching a $200k starting size and a $2.5M ceiling through the scaling plan.
2-Step Classic
The 2-Step Classic splits the evaluation into two phases, each requiring a 7% simulated profit target. The daily loss limit stays at 4%, but the maximum drawdown is a permanent 8% static floor rather than a trailing one, and leverage rises to 1:50. The reward cycle runs every 10 days instead of every 7.
The static drawdown is the reason to choose this route. It never moves, so a trader always knows exactly where the floor sits regardless of how much profit the account has banked. That certainty comes with a cost the 1-Step does not impose. The 2-Step adds a Consistency Score (35% during evaluation, 50% once funded) and a Max Symbol Rule that caps any single asset at 3% of total simulated risk. Both are soft rules, meaning a breach forces continued trading rather than instant closure, but they shape how an account has to be traded and they cut against the “no hidden rules” reputation the firm has earned on its 1-Step.
Instant Funding
Instant Funding removes the evaluation completely. There is no profit target. A trader pays a larger upfront fee and begins on a simulated funded account immediately, eligible for rewards from day one. The risk model uses a 6% daily loss measured from the prior trading day’s closed balance, resetting at 23:59 server time, alongside a 6% trailing maximum loss and 1:30 leverage.
Two restrictions separate it from the challenges. Weekend holding is not permitted, so every position must be closed by 4:30 PM EST on Friday, and the account must see at least one trade every 30 days to stay active. The price is the real gatekeeper. At $4,499 for the $100k tier, Instant Funding costs roughly eight times the equivalent 1-Step, which makes it a route for traders who are already proven and value immediate access over saving money.
Drawdown and the Rules That Actually Matter
The trailing maximum loss is the defining mechanic at Funded Trading Plus, and it is the single feature most likely to catch a new trader off guard. On the 1-Step and Instant accounts, the 6% maximum loss follows the account’s high-water mark upward as the balance grows. It keeps trailing until it reaches the starting balance, then it locks permanently.
In practice that means the loss limit behaves in two stages. While the account is below its starting balance plus 6%, the floor moves up with every new equity high, so a trader cannot give back much of an unrealized gain before breaching. Once the trailing stop has climbed to the original starting balance, it stops moving and sits there for the life of the account, functioning like a break-even floor. Withdrawals do not lower the high-water mark, so taking profit never tightens the available room. The 2-Step avoids this entirely with its fixed 8% line, which is why risk-averse traders and anyone who dislikes a moving target should look there first.
The 2-Step’s extra rules deserve a plain explanation rather than a list. The Consistency Score stops a single outsized day from carrying the whole target, requiring the largest day to stay within 35% of total profit during the evaluation and 50% once funded. The Max Symbol Rule prevents one instrument from accounting for more than 3% of total simulated risk. Neither rule closes an account on its own, but a trader who ignores them simply will not be cleared to scale or, in the evaluation, to pass cleanly.
Platforms and Markets
Funded Trading Plus runs on four platforms: MetaTrader 5, cTrader, DXtrade, and Match Trader. The instrument list covers more than 75 markets, spanning over 20 forex pairs, major indices such as NAS100, SPX500, US30, and GER40, commodities including gold, silver, and oil, and a selection of crypto. All accounts are swap-free, so holding simulated positions past market close carries no overnight financing charge, which is a meaningful detail for swing traders running multi-day setups.
Pricing
Fees are one-time and include VAT, and account resets are offered at a 20% discount. Pricing scales with account size, and the gap between the challenge routes and Instant Funding is wide.
| Account size | Instant Funding | 1-Step Express | 2-Step Classic |
|---|---|---|---|
| $5k | $249 | not offered | not offered |
| $10k | $429 | $99 | $89 |
| $25k | $1,099 | $199 | $169 |
| $50k | $2,199 | $349 | $319 |
| $100k | $4,499 | $549 | $549 |
| $200k | not offered | $999 | not offered |
The challenge fees sit in competitive territory without being the cheapest in the category, and the 2-Step runs a few dollars under the 1-Step at every shared size. Instant Funding is a different conversation, priced as a premium for skipping the evaluation. The headline perks a trader sees in marketing also carry a cost: a 90% starting split, a $5M scaling ceiling, and a 3-day reward cycle are each sold as paid add-ons that raise the account price by 15%, while the 2-Step offers a 9% maximum drawdown for an extra 20% and an 85% split for an extra 15%. The base account does not include them.
Payouts and Profit Split
The payout terms are where FT+ is strongest. The minimum request is $50. On the 1-Step and Instant accounts, the first reward can be requested from day one of the funded account, then every 7 days after; the 2-Step requires at least 1% account growth and a met consistency score, and runs on a 10-day cycle. Withdrawals are paid by crypto or bank transfer, with refunds to the original purchase method available at the firm’s discretion. Standard processing is 2 business days, and many requests are paid the same day, stretching to 5 to 7 business days only when a request is flagged for risk review.
The profit split starts at 80/20 on every program. It climbs to 90/10 once the funded account reaches 20% profit, and a trader who reaches 30% can request a 100% split that then stays on the account for life. That ladder, combined with a same-day-capable payout process, is the clearest reason a trader would pick this firm over a cheaper competitor.
Bottom Line
Funded Trading Plus is a well-run simulated prop firm whose appeal rests on flexibility, fast and frequent payouts, and continued access for US traders. The 1-Step Express is the right default for most buyers: a single target, a genuinely clean rulebook, weekend holding, news trading, and the longest scaling runway. The 2-Step Classic is the better pick for traders who want the security of a static 8% floor and are willing to accept the consistency and symbol rules that come attached. Instant Funding is worth its premium only for traders who are already consistent and want to skip straight to a funded account.
The deciding question is the drawdown. A trader who is comfortable managing a trailing maximum loss gets the firm’s best pricing and its cleanest rules on the 1-Step. A trader who is not should pay slightly differently for the 2-Step and take the fixed floor instead.
Pros
- First reward available from day one on the 1-Step and Instant accounts, on a 7-day cycle, with standard processing of 2 business days and many payouts settled the same day.
- A genuinely flexible 1-Step rulebook with no consistency rule, no minimum trading days, no time limit, and both news trading and weekend holding allowed.
- A clear profit-split ladder that reaches a lifetime 100% split at 30% account profit, plus scaling toward $2.5M and up to $5M with the add-on.
- Still open to US traders, with four platform options and more than 75 swap-free instruments across forex, indices, commodities, and crypto.
Cons
- The 6% trailing maximum loss on the 1-Step and Instant accounts follows the high-water mark until it reaches the starting balance, a tighter and less forgiving structure than the static floor competitors lead with, and it is the firm’s least intuitive feature for new traders.
- The 2-Step’s clean reputation does not fully apply to the 2-Step itself, which carries a Consistency Score and a 3% Max Symbol Rule that the 1-Step does not.
- Instant Funding blocks the weekend holding both challenge routes allow, and its upfront cost is steep at $4,499 for the $100k tier.
- The best split and the fastest 3-day payout cadence are locked behind profit milestones or paid add-ons rather than included in the base account.