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July 1, 2025
Dive deep into unbiased reviews of top forex prop firms — including funding rules, payout speed, trader support, and real performance.
Arctic Funding presents itself as a modern proprietary trading firm offering traders the chance to access capital up to $500,000 USD with profit splits as high as 90%. The firm offers a variety of challenges, including 1-Step, 2-Step, and Instant Funding programs, aiming to attract both beginner and professional traders.
While Arctic Funding’s marketing emphasizes flexibility, low-cost entry, and multiple trading platforms, community feedback has been mixed — with some traders reporting successful payouts, while others have expressed concerns about payout reliability and unclear rules.
Founded in 2023, Arctic Funding operates under Arctic Funding FZCO, reportedly based in the United Arab Emirates. The company claims to serve a global trader base and provides access to multiple asset classes, including forex, commodities, indices, and cryptocurrencies.
Founded: 2023
Headquarters: Dubai, United Arab Emirates
CEO: Buddima Dalpathadu
Buddima is mentioned in several reviews as the founder and CEO of Arctic Funding. With a background in trading and fintech, his focus has been on creating accessible, low-barrier funding options for traders worldwide.
Broker & Platform Partners:
Arctic Funding integrates with DXTrade, TradeLocker, and MatchTrader, offering flexibility across platforms.
Arctic Funding provides three main funding models, allowing traders to choose between evaluation-based or direct funding programs.
This model is designed for traders who prefer a traditional approach to evaluation, focusing on discipline and risk management.
Account Sizes & Fees:
$10,000 – $39
$25,000 – $69
$50,000 – $120
$100,000 – $230
$200,000 – $420
$500,000 – $890
Phase 1:
Profit Target: 8%
Max Daily Drawdown: 5%
Max Overall Drawdown: 10%
Minimum Trading Days: 3
Phase 2:
Profit Target: 5%
Max Daily Drawdown: 5%
Max Overall Drawdown: 10%
Minimum Trading Days: 3
Profit Split: Up to 85% after funding
Leverage: Up to 1:100
Scaling Plan: Traders can scale accounts by 25% every 3 months, up to $500,000, if consistent profits are maintained.
For traders who want to skip the second phase and get funded quickly, the One-Step Challenge provides a streamlined process.
Account Sizes & Fees:
$10,000 – $49
$25,000 – $85
$50,000 – $150
$100,000 – $270
$200,000 – $490
Evaluation Rules:
Profit Target: 10%
Max Daily Drawdown: 5%
Max Overall Drawdown: 10%
No minimum trading days
Profit Split: Up to 90%
Scaling Plan: Same as Two-Step — 25% account increase every 3 months of consistent profitability.
The Instant Funding Program is designed for verified traders with experience or proven track records who want immediate access to a funded account.
Account Sizes & Fees:
$10,000 – $179
$25,000 – $299
$50,000 – $499
$100,000 – $899
Profit Split: 80%
Drawdown:
Daily Limit: 5%
Total Loss: 10%
Payout Frequency: Every 14 days
This model allows traders to earn real profits from the start, though it comes at a higher upfront cost compared to evaluations.
Platforms Supported:
DXTrade
MatchTrader
TradeLocker
Tradable Assets:
Forex
Commodities
Indices
Metals
Cryptocurrencies
Trading Parameters:
Leverage: Up to 1:100
Execution: Low latency with access to multiple liquidity providers
Trading Styles Allowed: Scalping, swing trading, news trading, and EA (Expert Advisor) usage all permitted
Weekend Holding: Allowed for some account types
Arctic Funding advertises fast payouts for funded traders, with payment processing times between 24–72 hours. However, community reports vary — while some traders confirm receiving timely payouts, others claim withheld or delayed payments.
Payout Details:
First Payout: Eligible after 7 days on funded account
Payout Frequency: Every 14 days
Processing Time: 1–3 business days
Methods: Bank Transfer, Wise, PayPal, or Crypto (USDT/BTC/ETH)
Minimum Payout: $100
Positive Reviews:
✅ Some traders report smooth funding and quick support responses.
✅ Competitive pricing on challenges compared to larger firms.
✅ Multiple platform options and asset availability.
Critical Reviews:
⚠️ Numerous users on Trustpilot have reported payout issues, hidden rules, or account closures without clear reasoning.
⚠️ Some mention inconsistent communication from support during withdrawal requests.
⚠️ On forums like Reddit, traders caution that Arctic Funding’s “funded” accounts are simulated, not live capital — a common issue among new firms.
Trustpilot Rating (as of November 2025): 2.9 / 5 based on 100+ reviews — mixed feedback overall.
✅ Pros:
Low-cost entry challenges (from $39)
Profit splits up to 90%
Multiple trading platforms supported
EA, news, and scalping strategies allowed
Fast evaluation and scaling opportunities
⚠️ Cons:
Reports of denied payouts from some traders
Limited public corporate transparency
Recently established (2023) with no long-term track record
Inconsistent customer service response times
| Feature | Arctic Funding | Average Industry Standard |
|---|---|---|
| Profit Target | 8–10% | 10–12% |
| Profit Split | Up to 90% | 80–85% |
| Payout Time | 24–72h (claimed) | 3–5 days |
| Platforms | DXTrade, MatchTrader, TradeLocker | MT4, MT5 |
| Reputation | Mixed (Trustpilot 2.9 / 5) | Varies |
Arctic Funding offers accessible entry-level funding programs, multiple platforms, and generous profit splits — features that will undoubtedly appeal to newer traders looking for quick access to prop trading capital.
However, the firm’s short operational history and mixed reputation online make it a risky choice. Reports of payout delays and vague rule enforcement have made traders cautious.
If you’re considering joining Arctic Funding, proceed carefully:
Read all terms before purchase.
Keep documentation of trades and communications.
Start with a smaller account to test payout reliability.
Final Verdict:
⭐ Arctic Funding may appeal to budget-conscious traders but lacks the proven reliability of established firms. Approach with caution.
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