Best High-Capital Prop Firms 2026: $650K to $10M Accounts

A high-capital prop firm is one that funds accounts of $400,000 or more, either as a starting evaluation size or as a scaling ceiling a trader can reach through consistent payouts. Most retail-facing prop firms cap out between $200,000 and $400,000. The four firms below all go past that line, some by a wide margin.

What to check before you buy a high-capital challenge

Evaluation type matters first. A 1-step model gets you to a funded account faster than a 2-step model. Profit split matters next: 75% and 90% look close on paper but compound into a large gap over a full trading year. Drawdown type changes how much room you have to be wrong. Static drawdown, like Lux uses, locks the loss limit to your starting balance. Trailing drawdown moves the floor up as you profit, which is tighter in practice. Finally, check whether the account is A-book, meaning your trades hit a real market through a liquidity provider, or a simulated account that still pays real profit splits. Both models pay traders. They just carry different risk for the firm behind them, which is worth knowing before you commit a challenge fee.

Full breakdowns, pricing by account size, and current rules are on each firm's FundedTrading review page.

Lux Trading Firm runs a true A-book model. Passed evaluations land on live accounts with real market fills through FX Edge, not a simulated environment. That is the main reason its scaling path can credibly reach $10 million, well past what most retail prop firms will touch. The evaluation fee is fully refunded after Stage 1 review, and every account uses a static 6% drawdown, which stays fixed to the starting balance instead of trailing your profit.

Lux also runs an Instant Funding Account: a $400,000 account with no evaluation phase, a 12% profit target, and an 80% split for a flat £699 fee. It pays out once, when the target is hit, rather than scaling further, so treat it as a separate product from the standard 1-step evaluation path.

Payouts are instant once a position is closed in profit, and withdrawn profit still counts toward your target. Firms that hold traders to a fixed monthly payout cycle don't offer that.

Best for: traders who want real market execution and are building toward a long-term, institutional-scale funded account rather than a quick payout.

FXIFY runs seven programme types across CFD and crypto: Instant Funding, Instant Funding Lite, Lightning, One Phase, Two Phase, Three Phase, and two dedicated crypto programmes. It is no longer just a two-phase CFD challenge. The publicly promoted scaling ceiling is $4 million.

FundedTrading's active code for FXIFY is FT30, good for 30% off. FXIFY also picked up two FundedTrading awards in 2026: Best Broker Backed Prop Firm and Best 2 Step Challenge Prop Firm.

Payout timing depends on which programme you buy. The main 1, 2, and 3-Phase CFD accounts pay on demand after the first funded trade. Instant Funding runs a 14-day cycle, and Lightning does not offer payout on demand at all. Read the rules for your specific programme before you buy, since FXIFY's payout logic is not uniform across the lineup anymore.

Best for: traders who want platform choice, a crypto-specific path, and fast payouts on the standard CFD evaluation accounts.

Ment Funding runs a single 1-step evaluation model instead of juggling multiple challenge types. Pass the 10% profit target while staying inside a 5% daily loss and a static 6% drawdown, and the account converts to a live funded account. There is no minimum or maximum trading day requirement, so the evaluation can close in a day or take months.

Account sizes run from $25,000 up to a $2,000,000 direct-funding tier. Below that top tier, Ment Funding uses an account-doubling model: meet the scaling criteria and the account closes and reopens at double the size, up to a $5,000,000 ceiling. That ladder applies separately to forex and futures, so an active trader running both could manage a combined allocation well past $5 million. The $2M tier itself does not scale further and carries its own 35% consistency rule.

The base profit split is 75% on forex and futures, upgradable to 90% for an added fee at checkout. Ment Funding also added an Equities line trading S&P 100 names, defaulting to an 80% split. Supported platforms are MT4, MT5, cTrader, DXTrade, and Match Trader, with the exact lineup depending on which product line you pick.

Best for: traders who want a static drawdown floor instead of a trailing one, and a real path to scale a single account toward $5M.

SabioTrade's ceiling is lower than the other three firms on this page, but it makes up for it with the best profit split math below the very top tier. Anyone funded at $100,000 or above keeps 90% of profits, matching Lux's headline number while starting at a fraction of the account size. The Prime plan tops the lineup at $650,000, with a 10% profit target, 5% daily loss limit, and 6% trailing drawdown in a single-step evaluation.

Payouts run weekly, which is faster than Lux's on-demand-but-A-book model in practice for traders who don't want to manage withdrawal timing themselves. The trade-off is platform choice: SabioTrade runs its own SabioTraderoom platform rather than MT4 or MT5, so algorithmic traders relying on MetaTrader-specific tools should check compatibility first.

Best for: traders who want the strongest profit split available below Lux's top tier and don't need MetaTrader compatibility.

Match the firm to what you actually need, not to the biggest number on the page. If real A-book execution and a long-term scaling story matter most, Lux Trading Firm is the only one of the four putting trades on a real market instead of a simulated account. If you want platform flexibility and a crypto option alongside CFD, FXIFY's broader lineup covers more ground. If you already manage both forex and futures and want two separate scaling tracks, Ment Funding's structure fits that directly. If your priority is the highest profit split you can get without chasing a seven-figure account, SabioTrade's 90% split from $100K up is hard to match.

Whichever firm you pick, confirm the exact drawdown type, evaluation days, and current coupon on the firm's own FundedTrading review page before paying, since prop firm rules change often.