Funding Rock Review 2026: Funded Accounts, $100K Challenge & Is It Worth It?

The proprietary trading industry has grown rapidly in recent years, giving retail traders the opportunity to access large amounts of capital without risking their own funds. One firm that has recently started gaining attention in this space is Funding Rock, a prop trading firm offering funded accounts through a structured evaluation process.

Funding Rock provides account sizes ranging from $5,000 to $100,000, making it accessible to traders at different experience levels. The firm operates with a 2-step evaluation model, designed to assess profitability, consistency, and disciplined risk management before granting access to a funded account. This structured approach aims to identify traders who can perform sustainably in live market conditions.

With competitive profit splits, transparent trading rules, and a scaling plan that allows traders to grow their accounts up to $1 million, Funding Rock positions itself as a scalable solution for traders seeking long-term growth. Like many emerging prop firms, it offers the promise of professional trading conditions and the ability to manage larger capital as performance improves.

However, with new prop firms launching frequently, it’s essential for traders to evaluate whether a company is legitimate, reliable, and truly worth the cost of its evaluation programs.

In this Funding Rock review, we’ll take a detailed look at the firm’s funding model, 2-step challenge rules, pricing, profit split, payout structure, and overall reliability. By the end of this review, you’ll have a clear understanding of whether Funding Rock is a trustworthy prop firm and if it’s the right choice for traders looking to secure a funded trading account.

Trust and Reputation

Trust and reputation are critical factors when evaluating any proprietary trading firm, especially in an industry where traders rely on companies to provide fair evaluations and process payouts reliably. A strong reputation is usually built through transparent rules, consistent payouts, responsive customer support, and positive feedback from the trading community.

So far, Funding Rock has maintained a positive presence on Trustpilot, with a good overall rating and several reviews from traders sharing their experiences with the platform. While online reviews should always be considered carefully, a strong Trustpilot score can be a positive indicator that the company is building trust within the trading community.

As Funding Rock continues to grow, its long-term reputation will depend on maintaining transparent rules, consistent payouts, and reliable customer support for its traders.

Pros of Funding Rock

Cons of Funding Rock

Funding Rock Review

Category
Details
Firm Name
Funding Rock
Founder/ CEO
Brett Simberkoff
Country/ Headquarters
Cyprus
Founded/ Years in Operation
Founded in 2025
Trustpilot Rating
4.4
Platforms Supported
Trade Locker
Payment Methods (Entry/ Subscription)
Crediy/Debit Card
Payout/ Withdrawal Methods
Rise Works
Tradeable Assets
Forex, Indices, Commodities, Cryptocurrency
Commission
No commissions, only swap fees
Scaling Potential

Accounts can be scaled in two ways. Funded traders can grow their account by 25% every three months after generating at least 15% overall profit while maintaining risk management rules, with the maximum funding scaling up to $1 million. Traders can also upgrade to a larger account size during the challenge phase once they start generating profits, allowing them to trade with more capital and increase their trading potential. 📈



Discount/ Promo
Get a 30% discount using the code ROCK30
Payout Frequency

We offer bi-weekly payouts (every 14 days) for funded traders. Your first withdrawal becomes available 14 days after receiving your funded account, and the minimum withdrawal amount is $100.



Demo Accounts
Not Available
Account Currency Options
USD only
US Traders Allowed
Allowed
Restricted Countries
Afghanistan, Central African Republic, Congo (Brazzaville), Cuba, Guinea, Haiti, Iran, Iraq, Libya, Mali, Myanmar (Burma), North Korea, Russian Federation, Somalia, South Sudan, Sudan, Syria, Ukraine*, Venezuela, Yemen.

Funding Rock Review

Funding Programs Offered

Funding Rock offers a single account type with a two-step evaluation process.

Add-Ons Available

Funding Rock offers several optional add-ons to enhance your challenge experience:

  • Fast Payout Guarantee – Receive your first payout in 7 days instead of 14.

  • Higher Profit Share – Increase your profit split from 80% to 90%.

  • Weekend Trading – Trade 24/7, including weekends.

  • No Minimum Trading Days – Complete the challenge in just 1 day.

  • Swing Trading Option – Enables trading with longer-term positions beyond standard intraday limits.

These add-ons can be selected at checkout when purchasing your challenge, each with a small additional cost. Note: Add-ons must be chosen before starting the challenge and cannot be added later. If you reset or purchase a new challenge, you can customize your add-ons again.

Funding Programs Costs and Details

Category
Standard
Structure / Steps
2-step
Entry Fee
$59, $99, $219, $349, $549
Account Sizes
$5K, $10K, $25K, $50K, $100K
Profit Target
8%
Max Loss / Drawdown
10%
Leverage
Forex: 1:100, Metals: 1:15, Indices: 1:10, Crypto: 1:1
Profit Split
80% (Standard), up to 90% with the available add-on
Scaling Plan / Growth
Up to $1 million
News Trading
Opening new trades is prohibited within 2 minutes before and after high-impact news events. Trades opened earlier in the session may remain open during this time
Program
Account Size
Cost
Profit Target
Max Loss
Daily Drawdown
Leverage
Profit Split
Scaling Plan / Growth
2-Step
$5,000
$59
8% (Phase 1), 5% (Phase 2)
10%
5%
Up to 1:100
80-90% (with ad-on)
Up to $1 million
2-Step
$10,000
$99
8% (Phase 1), 5% (Phase 2)
10%
5%
Up to 1:100
80-90% (with ad-on)
Up to $1 million
2-Step
$25,000
$219
8% (Phase 1), 5% (Phase 2)
10%
5%
Up to 1:100
80-90% (with ad-on)
Up to $1 million
2-Step
$50,000
$349
8% (Phase 1), 5% (Phase 2)
10%
5%
Up to 1:100
80-90% (with ad-on)
Up to $1 million
2-Step
$100,000
$549
8% (Phase 1), 5% (Phase 2)
10%
5%
Up to 1:100
80-90% (with ad-on)
Up to $1 million

 Trading Rules & Policies

Rule
Details
Account Types Available
Standard Account and No Activation Fee Account
Expert Advisers (EAs)
You can create your own bots using TradeLocker Studio’s AI chat feature with no coding skills required. You can also translate existing EAs by pasting the code into TradeLocker Studio’s AI chat, which converts it into TradeLocker format. However, third-party EAs designed for high-frequency scalping or tick-based trading are prohibited, as well as commercial EAs used by multiple traders that create identical trading patterns. EAs without source code access or transparency are not allowed, and automated systems that provide unfair advantages or exploit rollover pricing are also prohibited.
Copy Trading
Not allowed.
Account Merging
Not allowed
Maximum Account Capital
$500K before scaling
VPS Usage
Using a VPS is acceptable for trading as long as it accurately reflects your geographic location and does not violate any location restricins
VPN usage
VPNs are not allowed if they hide or falsify your location. Our terms clearly state that using VPNs or proxies to misrepresent your location is strictly prohibited and constitutes a violation of the agreement.
News Trading
Trading is not allowed within two minutes before or after high-impact news events during both the evaluation and funded phases. This means you cannot open new trades within that four-minute window or manually close existing trades during the restricted period. However, you are allowed to hold trades that were opened earlier in the session through news events.
Overnight/ Weekend Holding
Overnight trading is allowed on all our challenges, meaning you can hold trades overnight. However, weekend trading is not permitted by default. Trading is disabled on Fridays at 20:00 UTC. If you want to keep positions open and trade during the weekend, you can purchase the Weekend Trading add-on at checkout, which allows you to trade 24/7, including weekends.
Leverage
Our leverage varies by instrument type:• Forex: 1:100• Metals: 1:15• Indices: 1:10• Crypto: 1:1
Max Risk Per Trade
There is no maximum position size per trade.
Profit Split
The default profit split is 80% for you and 20% for FundingRock, but you can upgrade to a 90% profit split by purchasing the Higher Profit Share add-on at checkout
Minimum Payout
$100
Consistency Rule

 No

Number of Accounts Allowed

You can open unlimited challenge accounts with FundingRock, but the combined starting capital across all accounts cannot exceed $500,000.



Scaling Plan
Accounts can be scaled in two ways: funded traders can grow their account by 25% every three months after achieving 15% profit while following risk rules, up to $1 million. Traders may also upgrade to a larger account size during the challenge phase.
Refund Policy

A full refund of the challenge fee is provided once all evaluation phases are passed and the first withdrawal of at least $100 is made.



Martingale
Not allowed
Scaling Into Trades
Allowed
Stop Loss required
Not required
Prohibited Strategies
Here are our prohibited trading strategies:High-Risk Strategies:Martingale (doubling position size after losses)Arbitrage trading (exploiting price discrepancies)Tick scalping (trades held under 2 minutes)High-frequency tradingAutomated Trading Issues:Third-party EAs without source code accessCopy trading between accountsBulk/mass order tradingExpert advisors exploiting rollover pricing

Funding Rock vs Funding Pips vs Top One Trader vs Blue Guardian

Prop Firm
Evaluation Type
Account Sizes
Cost
Profit Target
Max Loss
Scaling Max
Discount
Funding Rock
2-Step
$5k-$100k
$59-$549
8% (Phase 1), 5% (Phase 2)
10%
$1 Million
30% off (ROCK30)
Funding Pips
Instant, 1-2 Step
$5k-$200k
$29-$998
6-10% (phase 1), 5-6% (phase 2)
5-10%
$2 million
20% off (HAPPY)
Top One Trader
Instant, 1-2 Step
$5k-$200k
$64–$2,573 (pre-discount)
8-10% (phase 1), 5% (phase 2)
6-8%
$5 million
82.7% Off (REVIEWS) – Stack with Their Code
Blue Guardian
Instant, 1-2 Step
$5k-$200k
$27-$1050
6-10% (per phase)
6-10%
$2 Million
30% off (REVIEWS)

Funding Rock Pro's

  • Accounts can be scaled up to $1 million
  • The evaluation fee is refunded upon the first payout

Funding Rock Con's

  • Copy trading and account merging are prohibited
  • Only TradeLocker is supported as the trading platform

Funding Pips Pro's

(Read Full Review)

  • Scaling is available up to $2 million per account
  • Available in most countries, with limited restrictions

Funding Pips Con's

  • cTrader access requires additional fees
  • Live support quality may vary

Top One Trader Pro's

(Read Full Review)

  • Account scaling is available up to $5 million
  • Discount codes significantly reduce the price, making it very affordable

Top One Trader Con's

  • Expert Advisors are permitted during evaluations only and are not allowed on funded accounts
  • Copy trading and account merging are not allowed

Blue Guardian Pro's

(Read Full Review)

  • Scaling is available up to $2 million per account
  • With a discount code applied, the cost becomes very low

Blue Guardian Con's

  • Some assets are subject to wider spreads
  • Trustpilot rating is currently unavailable following a terms violation

Is Funding Rock Review – Final Verdict

Funding Rock is an emerging proprietary trading firm that offers traders access to funded accounts through a straightforward 2-step evaluation process. With account sizes up to $100,000 and scaling potential reaching $1 million, it provides a clear pathway for traders looking to grow their capital over time.

The firm offers competitive profit splits, transparent trading rules, and the added benefit of an evaluation fee refund with the first payout, which helps reduce upfront risk. Its simple structure and focus on consistency may appeal to traders who prefer a more traditional evaluation model.

However, there are several limitations to consider. Funding Rock only offers 2-step evaluations, supports just one trading platform (TradeLocker), and currently provides only a single payment method for deposits, which may reduce flexibility for some users. Additionally, certain strategies such as martingale are not allowed, and as a relatively new prop firm, it remains less tested compared to more established competitors.

Bottom line: Funding Rock is a promising option for traders who are comfortable with a structured 2-step evaluation and want a straightforward path to funded trading with scaling potential. However, due to its limitations and shorter track record, traders may want to approach with caution and compare it with more established prop trading firms before committing.

Otherwise, explore these strong alternatives:

Navigate the world of prop trading firms

Honestly, transparently, and with real results. Our prop firm reviews are here to help you make the most informed choice when selecting your next funded trader program.

With years of trading experience and deep market knowledge, our team stays on top of industry trends, policy updates, and new proprietary trading firms entering the scene. We understand the importance of selecting a reliable prop firm that offers competitive profit splits, scalable accounts, and flexible trading rules. Whether you’re a beginner looking for your first funded account or a professional seeking the best prop firm for your strategy, we’re here to guide you every step of the way.