Finotive Funding Rules Explained (2026): Daily Loss, Drawdown, News & Payouts

Overview: Challenge, Pro and Instant Funding

Finotive Funding sells six programs, and its Terms set every limit in one table. The 1-Step Challenge asks 10% with a 4% daily and 7.5% static max loss and 3 profitable days. The 2-Step Challenge asks 7.5% then 5% with a 4.5% daily and 9% static max loss and 2 profitable days per phase. Both start at an 80% split that scales to 95%. A third-party price check in October 2026 listed the 2-Step from $55 and $50,000 at $440; Finotive's pages read here print no prices.

The Pro versions (1-Step Pro: 4% daily, 8% max; 2-Step Pro: 5% daily, 10% max) start at 80% and rise to 100% after 30 funded days, with activity and profit tests from day 31.

Instant Funding Standard (3.5% daily, 7% max, 75% to 90%) and Instant Funding Lite (3% daily, 6% max, 70% to 85%, 5 profitable days before the first payout) have no evaluation and run $5,000 to $100,000.

Rules that end the account

Both drawdown limits are hard breaches: the account closes immediately, with no warning or strike.

Daily loss

A percentage below the previous trading day's closing balance. The trading day runs 17:00 to 16:59:59 New York time, so the limit resets at 4pm CT. Open equity and floating losses count.

Max loss

Static from the initial balance on every program. On a $50,000 2-Step the floor is $45,500 and never moves.

Floating drawdown

2% of the initial balance on Challenge and Pro accounts (enforced once funded, reminder at 1.5%); 1.5% on Instant (first breach is a formal warning).

Strikes

Notional exposure over the size limit (for example $1,000,000 open notional on $50,000), Instant weekend holds and some conduct breaches are strikes. Five strikes close the account; some strikes cut the payout to 10% for that cycle.

Conduct

Scalping (40% or more of trades held 120 seconds or less, or 20% of profit from them), recovery over-sizing, mirrored or hedged trading across accounts, unauthorised EAs and 30 days of inactivity are prohibited.

Payout rules

On demand once funded, with a 7-day cooldown after the first payout (14 days on Instant Lite).
Minimum request: 1% of the initial balance, capped at $100 on 1-Step and 1-Step Pro; no minimum on 2-Step; 1% with no cap on Instant.
Instant best-trade check: a conditional strike if your single best trade is 60% or more of positive realised profit when you ask.
Profitable days must be met before a request, and all positions must be closed.
Pro accounts must generate at least 5% of the initial balance in each rolling 90 days and keep weekly trade counts and volume within 25% of their averages, or they lose Pro status.

News and weekend

Trading through high-impact news is allowed if the trade reflects a genuine directional view. Straddled, offsetting or hedged positions on the same or correlated instruments are prohibited from 15 minutes before to 15 minutes after red or amber events, earnings and geopolitical events.

Challenge and Pro accounts may hold over the weekend. Instant Funding accounts must close non-crypto positions before Friday 17:00 New York time (4pm CT) unless the Weekend Holding add-on is active; a breach is a strike and cuts that cycle's payout to 10%.

Worked example: $50,000 2-Step Challenge

The static floor is $45,500. Day 1 closes at 4pm CT at $50,800, so Day 2's daily floor is $48,514 (4.5% below $50,800). Room on Day 2: $2,286 to the daily floor.

The 2% floating drawdown is $1,000 of open loss on the initial balance. Phase 1 needs $3,750 and 2 profitable days; Phase 2 needs $2,500 and 2 more. Open notional above $1,000,000 at any time is a strike.

How Proof tracks it

The Finotive presets carry the 4pm CT previous-close daily floor, the static floor, the floating drawdown threshold for your program and the notional cap for your size, with live room to the nearer limit.

Proof also blocks straddles 15 minutes either side of red and amber events, warns before the Friday cutoff on Instant accounts and counts profitable days. The payout date calculator handles the 7-day or 14-day cooldown.

In Proof

Proof tracks every Finotive Funding rule for you

The Finotive presets carry the 4pm CT previous-close daily floor, the static floor, the floating drawdown and notional limits, the 15-minute news straddle block and the Instant weekend cutoff.

See how Proof does it

Frequently asked questions

What is the Finotive Funding daily loss limit?

4% on 1-Step, 4.5% on 2-Step, 5% on 2-Step Pro, 3.5% on Instant Standard and 3% on Instant Lite, from the previous day's closing balance at 17:00 New York time.

Is Finotive max loss trailing?

No. Every program uses a static max loss from the initial balance, from 6% on Instant Lite to 10% on 2-Step Pro.

How often does Finotive pay?

On demand once funded, with a 7-day cooldown after the first payout, or 14 days on Instant Lite. Minimum requests are 1% of the initial balance on most programs.

Can I trade news at Finotive Funding?

Yes, with a genuine directional view. Straddles or hedged exposure within 15 minutes of red or amber events are prohibited.

Can I hold over the weekend at Finotive?

Challenge and Pro accounts can. Instant Funding accounts must close non-crypto positions before Friday 4pm CT unless they bought the Weekend Holding add-on.

Sources checked October 2026: Finotive Funding: Terms and Conditions (program rules table) · propfirmduel.com: Finotive Funding rules and prices, Oct 7, 2026 (prices, unverified)