Lark Funding – Firm Review

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6.4
Expert ScoreRead review
  • Swift account setup, minimal delays
  • Elite trading platforms for success
  • Generous payout structure exceeds competitors
  • Expert coaching enhances performance
  • Simplified verification, hassle-free experience
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# Lark Funding Review

6.4Expert Score
Lark Funding
Lark Funding offers a streamlined approach to personal and business financing solutions. With competitive rates and flexible terms, they simplify the often complex lending process. Their attentive customer service team guides clients through each step, while their quick approval process and transparent fee structure make them stand out in the financial marketplace.
OVERALL SCORE
6.4
PROS
  • • Quick decisions on personal loans
  • • Free application process
  • • Competitive interest rates
  • • Excellent customer service
  • • Flexible repayment options
  • • No hidden fees
  • • Specialized in self-employed borrowers
CONS
  • • High interest rates for small loans
  • • Limited geographical availability
  • • Strict eligibility requirements
  • • Complex application process
  • • Poor customer service reviews

Company Overview

Lark Funding is an innovative prop trading firm that offers traders the opportunity to access significant capital without risking their own money. Founded with the mission to empower traders worldwide, Lark Funding provides a structured pathway to becoming a funded trader through its challenge programs. The company stands out for its transparent evaluation process, competitive profit splits, and trader-friendly policies.

What makes Lark Funding particularly appealing is their two-phase challenge system – Standard and Professional – designed to accommodate both novice and experienced traders. Each program assesses trading discipline, risk management, and profitability potential before granting funded accounts. With various account sizes ranging from $10,000 to $200,000, immediate payouts, and comprehensive trader support, Lark Funding has positioned itself as a respected player in the proprietary trading industry.

Key Features at a Glance

Challenge Fees

  • $10,000 Account – $99 one-time fee for evaluation program access
  • $25,000 Account – $199 one-time fee with unlimited time to complete
  • $50,000 Account – $299 one-time fee with reset options available
  • $100,000 Account – $499 one-time fee with express funding potential
  • $200,000 Account – $799 one-time fee for maximum capital access

Account Types

  • Standard Challenge: Suitable for beginners with more relaxed rules and longer evaluation periods
  • Professional Challenge: Designed for experienced traders with faster evaluation and higher profit targets
  • Funded Account: Achieved after successful completion of both challenge phases
  • Scaling Account: Growing account size based on consistent performance with the funded account

Profit Split Options

  • Initial Split: 80% for traders and 20% for Lark Funding on funded accounts
  • Scaling Split: Up to 90% for traders after consistent performance milestones
  • First Payout: Available immediately after reaching the first profit target
  • Regular Payouts: Bi-weekly profit withdrawals available after initial payout


JoinProp Swift account setup, minimal delays Elite trading platforms for success Generous payout structure exceeds competitors Expert coaching enhances performance Simplified verification, hassle-free experience

Account Sizes

  • $10,000: Entry-level account ideal for beginners to demonstrate trading skills
  • $25,000: Mid-tier account with balanced risk parameters and profit potential
  • $50,000: Popular account size for experienced traders seeking meaningful returns
  • $100,000: Professional-grade account offering substantial trading capital
  • $200,000: Premium account providing maximum capital allocation for elite traders

Trading Platforms

  • MetaTrader 4: Industry-standard platform with extensive technical analysis tools
  • MetaTrader 5: Advanced platform with enhanced charting and multi-asset trading capabilities
  • TradingView: Web-based platform with social trading features and advanced charting
  • cTrader: ECN trading platform with direct market access and sophisticated order management

Financial Markets

  • Forex: Major, minor, and exotic currency pairs with competitive spreads
  • Indices: Global stock indices including US30, S&P 500, NASDAQ, DAX, and more
  • Commodities: Energy, metals, and agricultural products including oil, gold, and silver
  • Cryptocurrencies: Major digital assets including Bitcoin, Ethereum, and other popular altcoins

Challenge Programs Detail

Standard Challenge

Feature Challenge Phase Verification Phase
Duration No time limit No time limit
Profit Target 8% 5%
Daily Drawdown 5% 5%
Maximum Drawdown 10% 10%
Minimum Trading Days 10 days 10 days

Professional Challenge

Feature Challenge Phase Verification Phase
Duration No time limit No time limit
Profit Target 10% 5%
Daily Drawdown 4% 4%
Maximum Drawdown 8% 8%
Minimum Trading Days 8 days 8 days

Challenge Specifications

  • Max Allocation: Up to $200,000 initial capital with potential for scaling
  • Scaling: 25% increase in account size after every 10% profit made consistently
  • Trading Competitions: Monthly competitions with cash prizes and accelerated account growth
  • Free Trial: 7-day demo account to test platforms and trading conditions
  • Profit Targets: 8-10% for challenge phase, 5% for verification phase depending on program
  • Drawdown Structure:
    • Daily: 4-5% maximum daily loss limit from starting balance
    • Maximum: 8-10% total account drawdown limit from starting balance
    • Trailing: Not implemented – fixed drawdown limits throughout challenge phases

Trading Rules and Requirements

  • No taking excessive risk during major news events
  • Minimum 10 trading days requirement for Standard Challenge
  • Minimum 8 trading days requirement for Professional Challenge
  • No using automated trading systems or EAs without approval
  • No hedging between different accounts
  • Maximum position size of 5% of account equity
  • No holding positions over weekends during challenge phases
  • Trading hours restricted to standard market hours

Company Information

  • Founded: 2020
  • Headquarters: London, United Kingdom
  • Regulation: Operates under UK financial regulations
  • Support: 24/5 via email, live chat, and phone
  • Educational Resources: Free webinars, market analysis, and trading guides
  • Community: Active Discord server with over 10,000 members

Payout Methods

  • Bank Wire Transfer (2-5 business days)
  • PayPal (1-2 business days)
  • Skrill (1-2 business days)
  • Bitcoin/Cryptocurrency (1 business day)
  • Wise (1-3 business days)

Trading Commissions

  • Forex: $5 per standard lot round turn
  • Indices: $4 per standard lot round turn
  • Commodities: $6 per standard lot round turn
  • Cryptocurrencies: 0.10% of trade value
  • No hidden fees or additional charges

IP Rules

  • Login from different locations allowed with prior notification
  • VPN usage permitted with company approval
  • Maximum of 3 different IP addresses allowed per account
  • Changes in trading location must be reported to compliance
  • Travel declarations required for international travel

Video Review

Lark Funding Review

Comprehensive review of Lark Funding trading services

Unique Features

Trader Support

  • One-on-one coaching sessions with professional traders
  • Weekly market outlook webinars with actionable trade ideas
  • Trade psychology workshops to improve decision-making
  • Performance analytics dashboard with detailed statistics

Account Management

  • Reset option available for failed challenges (one-time fee)
  • Account merging for successful traders with multiple accounts
  • Customizable risk parameters for funded accounts
  • Express evaluation for traders with proven track records

Why Choose Lark Funding?

Lark Funding stands out in the competitive prop trading industry by offering a truly trader-centric approach. The firm was designed by traders, for traders, with policies that reflect a deep understanding of what it takes to succeed in today’s markets.

Key advantages include:

  • No time limits on challenges, allowing traders to demonstrate skill without rushing
  • Generous 80/20 profit split, increasing to 90/10 for consistent performers
  • Immediate funding after successful challenge completion (no waiting periods)
  • Rapid bi-weekly payouts with multiple payment options
  • Responsive customer support with industry professionals
  • Transparent rules with no hidden requirements or “gotcha” violations
  • Comprehensive educational resources to help traders succeed

Frequently Asked Questions

How long does it take to get funded?

You can get funded as soon as you complete both the Challenge and Verification phases. There’s no time limit for either phase, so your funding timeline depends entirely on your trading performance. Many successful traders complete both phases in as little as 2-4 weeks.

Can I hold positions over the weekend?

During the Challenge and Verification phases, weekend holding is not permitted. However, once you achieve funded status, you can hold positions over weekends with proper risk management. This policy helps protect both traders and the firm from weekend gap risk during the evaluation period.

What happens if I break a rule?

Rule violations are handled case-by-case. Minor violations typically result in warnings, while serious breaches like excessive risk-taking or manipulation attempts may lead to account termination. Lark Funding provides clear guidelines to help traders avoid violations, and their compliance team reviews each case individually before making decisions.

Can I trade news events?

Yes, you can trade during news events, but Lark Funding encourages responsible risk management during high-volatility periods. There are no specific restrictions against news trading, but the regular drawdown limits still apply. Traders are advised to adjust position sizing appropriately when trading around major economic announcements.

How often can I withdraw profits?

After achieving funded status, you can withdraw profits every two weeks. The first withdrawal becomes available once you’ve reached your initial profit target in the funded account. There’s no minimum withdrawal amount, and Lark Funding processes all withdrawal requests within 2 business days.

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