Prop Firms That Scale to $4 Million

Why $4,000,000 is a different question from $2,000,000. At the two million mark you are still choosing between well documented programmes from firms like FTMO and Funding Pips. Above four million you are almost always looking at a scaling ladder rather than a purchasable account size, which means the ceiling is a projection of many consecutive profitable payouts, not a product you can buy. Read it as the end of a long road, not a starting option.

The ranked list

Ordered by JoinProp expert score, with the higher ceiling breaking a tie.

1. FTUK, 9.0, ceiling $6,400,000 claimed. The highest ceiling attached to a top tier score. No stop loss requirement, up to 80% on forex and up to 100% on futures for the first $15,000. Two things to check before you count on the ladder: the split is stated three different ways across the firm’s own pages, and a trading day only counts toward your minimum if you made at least 0.5% profit that day, which quietly lengthens every stage.

2. The5ers, 9.0, ceiling $4,000,000. The cleanest structure in this group. The split scales to 100% on performance and is never sold as a paid add on, and drawdown is static across every CFD programme, so the floor does not chase you upward as you scale. The two rules that decide most accounts are the 3.5% commission taken from every cash withdrawal and the 0.5% profitable day definition.

3. Top One Trader, 8.1, ceiling $5,000,000. The scaling plan here is documented rather than merely advertised, which is why it outranks firms with similar scores. Split reaches 100%, earned through payouts on Instant Funding and Instant Prime and bought as an add on elsewhere. Static 9% drawdown on 2 Step PRO v2, trailing on FLASH, NOVA and both Instant plans. Costs that matter over a long scaling run: a 2% fee on every payout, a 5 minute minimum trade duration, and no fee refund on new 1 Step and 2 Step accounts since 5 February 2026. Registered in Anjouan, Union of Comoros, and closed to US traders on MT5.

4. City Traders Imperium, 8.1, ceiling $4,000,000. The most transparent ladder on the page: the account doubles at each 10% milestone, so you can calculate exactly how many stages stand between you and the ceiling. Drawdown is balance based, taken from closed balance rather than floating equity, and there are no time limits, which suits the swing and position traders this firm is built for. Base split 90%, up to 100% at the top VIP tier. Trading as a brand since 2018.

5. Finotive Funding, 7.9, ceiling $5,400,000 advertised. Account sizes run $2,500 to $200,000 before any scaling, so the advertised ceiling is a long ladder rather than a purchasable size. The signature mechanic is a strike system: certain rule breaks do not kill a funded account, they cut your next payout split to 10% and then reset. Weigh that carefully, because it is also the firm’s most common complaint, with traders reporting large payouts reduced to 10% under a subjective assessment. Dubai DIFC entity, operating since 2021.

6. AquaFunded, 7.7, ceiling $4,000,000. The highest base split we have found anywhere at 90%, though the advertised 100% is a checkout add on rather than a performance tier. Nine programmes, including a $5 pay later route where you only pay on passing, which makes it the cheapest entry to a four million ceiling on this page. The fee refund waits until your fourth payout.

7. Lux Trading, 7.4, ceiling $10,000,000 advertised. The largest number in the market, attached to the most unusual model: an audited track record marketed as acceptable to banks and hedge funds, plus a monthly salary for funded traders. Flat 80% split, 6% static drawdown, no daily limit, no minimum or maximum trading days, and a fully refunded evaluation fee. The rule that decides most accounts is the Single Trade Profit Limit, under which any one position may realise at most 5% of the stage’s profit target, just $500 on a $100,000 evaluation. That rule is why a ten million ceiling here is a slower road than a five million ceiling elsewhere.

8. Ment Funding, 7.3, ceiling $5,000,000 with $2,000,000 available directly. The exception to everything above. Ment lets you buy a $2,000,000 forex account outright rather than scaling into it, with sizes running $25,000 to $2,000,000 at purchase and an account doubling ladder toward $5,000,000 after that. It also runs a genuinely rare funded US equities programme on real S&P 100 names with 2 to 1 buying power, short selling and overnight holds. Split 75% on forex and futures, 80% on equities, 90% as a paid add on. Drawdown mostly 6% static, locking at your starting balance after the first payout.

Comparison table

What to check before you trust a ceiling

Three questions separate a real scaling plan from a landing page number. Is the ladder written into the terms rather than only the marketing? How many consecutive profitable payouts does each step require? And does the drawdown stay static as the account grows, or does it trail and reset your risk at every new size? A trailing floor on a $2,000,000 account behaves very differently from a static one.

Three firms were removed from this category in August 2026 because their binding terms did not support a four million claim: FunderPro, capped at $200,000 by clause 4.10 of its own contract while its marketing referred to $5,000,000; Fintokei, whose accounts run to about EUR 400,000; and Blue Guardian, whose own review states it tops out at $400,000 and is not a scale to millions firm. Finotive Funding was added in the same pass because its advertised $5,400,000 qualifies.

Scores are set by our editorial team across rules, payouts, transparency, platform, support, scaling and track record. No firm can buy its grade. See our prop firm ranking methodology for what each category measures, where the data comes from, and how to dispute a rating.