Bottom line first
| Item | The5%ers | Funded7 |
|---|---|---|
| Founded | 2016 | 2025 |
| Years in operation | 10 years | Just over 1 year |
| Entity location | Israel | Cyprus (Limassol) and Saint Lucia |
| Instant Funding | Discontinued (product page returns 404) | Yes ($5,000-$75,000) |
| Evaluation plans | Yes (Hyper Growth / High-Stakes / Bootcamp) | Yes (Two Phase / PAYG / NEO / One Phase) |
| Profit split | 75-100% (tiered) | 80% (50% on One Phase and Instant Funding), up to 90% with add-on |
| Maximum capital | Unclear — the firm’s own pages conflict ($4M homepage vs $500K High Stakes page) | $500,000 per account |
| Platforms | MT4 / MT5 / Match-Trader | MT5 / cTrader (PAYG is MT5-only) |
| Profit targets | High-Stakes: 10% (New) / 8% (Classic) in Phase 1 | Two Phase family: 8% then 6%. One Phase: 10% |
| Drawdown model | Static, on initial balance | Static on Two Phase, PAYG and NEO. Trailing on One Phase and Instant Funding |
| Payouts | Bi-weekly cycle; processing time no longer published | Request every 7 days, processed “within 1 day”, $10,000 monthly cap |
| Cumulative payout record | Published on an ongoing basis | No ongoing published figure could be verified |
| Trustpilot | 4.7/5.0 (37,449 reviews, read 2026-09-14) | 3.1/5.0 (49 reviews, read 2026-09-07; 46% one-star as read on 2026-07-31) |
- If operating history, third-party reputation, and payout transparency decide it → The5%ers
- If you value the Japanese-language setup and the short payout cycle, and will test small → Funded7
Read plainly, the evidence does not put these two on equal footing. The5%ers has ten years of operation and a 4.7 Trustpilot score; Funded7 has just over one year and a 3.1 (both read 2026-09-14). Choosing Funded7 means choosing it for a specific reason — Japanese-language terms, a short payout cycle — not because it wins the comparison. That said, neither is a clean pick right now: on 2026-08-01 this site re-rated The5%ers from High to Low trust (★4.6→3.3) after the firm itself acknowledged payout delays in March 2026, so whichever side you take, size small.
Comparison across five axes
1. Operational continuity
The5%ers was founded in 2016 and pioneered the Instant Funding model. As of 2026 it has ten years of operation — though years alone no longer settle the trust question: on 2026-08-01 this site re-rated it from High to Low trust after the firm itself acknowledged payout delays in March 2026.
Funded7 launched in 2025, giving it just over a year of operation. Its official company page states “2025 Operating Since,” and it published a first-anniversary page in June 2026. Our methodology requires five or more years of continuous operation for a “high” trust rating, and Funded7 does not reach it.
Prop firms stop paying when their cash flow breaks. Between these two firms, the gap in operating history remains wide — but it is now a necessary condition, not a sufficient one.
2. Instant Funding (no-evaluation plans)
Only Funded7 currently sells one.
- The5%ers: pioneered the format, but its Instant Funding has been discontinued — the product page returns 404. Its closest current program is Hyper Growth, a one-step evaluation with a 10% target
- Funded7: account sizes of $5,000 to $75,000, a 50% split, and a trailing (high-water-mark) drawdown
Funded7’s Instant Funding pays 50% — lower than the 80% on its own Two Phase program. That is the standard trade in this category: immediate funding in exchange for a smaller share. The trailing drawdown is worth flagging too: as unrealised profit builds, the loss limit ratchets up with it, which behaves differently from the static model many traders are used to. If skipping the evaluation is the whole point, Funded7 wins this axis by default — just weigh it against everything else in this comparison.
3. Profit split structure
| The5%ers | Funded7 | |
|---|---|---|
| Initial split | 75% (Hyper Growth) / 80% (High Stakes) | 80% (50% on One Phase and Instant Funding) |
| Maximum split | 100% (tiered) | 90% (with a paid add-on) |
| Conditions to reach top | Scaling / payout count | Purchase an add-on |
Funded7’s Two Phase starts at 80%, which is simple to read. But its 90% ceiling depends on buying an add-on, and that is a lower endpoint than The5%ers’ tiered path to 100%.
Both sides carry costs the split percentage hides. Funded7 funded accounts and Instant Funding accounts carry a $6 commission per round-turn lot ($1 on crypto and indices); challenge phases are commission-free. The5%ers deducts a flat 3.5% from every cash withdrawal — on an 80% split that is roughly 77.2% take-home.
4. Withdrawal experience
Funded7’s FAQ states requests are allowed every 7 days from the last withdrawal or from account creation, with processing “within 1 day.” Rails are Revolut Instant, crypto (ETH/USDC), and bank transfer. KYC is required at first payout.
The constraints are documented as well. The minimum payout is $100 net of the split, and the monthly cap is $10,000 per client ($20,000 on PAYG). On top of that, 30 consecutive days without a trade disqualifies the account and voids pending payouts.
The5%ers runs a bi-weekly payout cycle (first request 14 days after the funded account is activated), deducts a flat 3.5% from every cash withdrawal, and no longer publishes processing times — its help center returns 404. We previously credited it with years of near-zero delays, but the firm itself acknowledged payout delays in March 2026, so that credit is withdrawn. What The5%ers still does that Funded7 does not: publish a cumulative payout record on an ongoing basis. For Funded7 we could not find a primary source publishing such a figure.
5. Third-party reputation and regulatory standing
The Trustpilot gap is wide. The5%ers sits at 4.7/5.0 across 37,449 reviews (read 14 September 2026); Funded7 at 3.1/5.0 across 49 reviews (read 7 September 2026). When we read the distribution on 31 July 2026 it was 46% one-star and 37% five-star, with the negative reviews clustered on payouts and pass decisions. The 49-review base is thin and can move, but as it stands the score is poor.
Funded7’s own homepage advertises “4.8/5, 1k+ reviews.” That is not Trustpilot data, and the page cites no source, so we could not verify it.
On regulation, The5%ers states its Israel base openly. Funded7’s operating entities, per the site footer, are ICHIBAN TECH LTD (Limassol, Cyprus) plus SUCCESSIO LTD and FUNDED7 LTD in Saint Lucia. It runs a Japanese site and JPY accounts but has no Japanese entity, and neither firm is a regulated financial operator in a major retail jurisdiction. Neither offers a regulatory route of recourse, but Funded7 sits a step further out with offshore entities.
Which should you choose?
The5%ers suits you if you
- Want ten years of operating record and a strong third-party score (4.7 across 37,000+ reviews, read 2026-09-14) in the decision
- Want to scale your profit split over the long term, accepting the flat 3.5% withdrawal deduction
- Prefer a static drawdown measured on initial balance
- Understand this site’s Low trust rating (re-rated 2026-08-01 after the firm acknowledged payout delays) and will keep the ticket small
Funded7 is worth considering if you
- Want to read the terms in Japanese and trade a JPY-denominated account
- Get concrete value from a short payout cycle
- Will read the rules first and design your trading around the numeric thresholds
- Understand the current picture — just over a year of operation, Trustpilot 3.1 — and will test at a small account size
Funded7 is a poor fit if you
- Expect to withdraw more than $10,000 a month
- Trade on a seconds-long horizon (under 15 seconds on more than 2% of trades, or under 30 seconds on more than 3%, is a violation)
- Require a meaningful operating history or third-party score
On running both
We previously suggested treating The5%ers as the baseline and limiting Funded7 to small-size verification. After the 2026-08-01 re-rating, we no longer treat either as a baseline: if you run both, keep both at small size, withdraw early, and let your own payout experience decide where the second ticket goes. For multi-firm approaches generally, see the multi-prop-firm parallel operation guide.
Summary
- On operating history (10 years vs just over 1) and Trustpilot (4.7 across 37,449 reviews vs 3.1 across 49, both read 2026-09-14), the current gap is wide — but this site rates The5%ers Low trust since 2026-08-01, after the firm acknowledged payout delays
- The5%ers no longer sells Instant Funding (the page returns 404); its shortest current route is the one-step Hyper Growth evaluation. Funded7 is the only one of the two with a no-evaluation account
- Funded7’s strengths are its Japanese-language setup and short payout cycle; its constraints are the $10,000 monthly cap and forfeiture after 30 days of inactivity
- Funded7 pays 80% on Two Phase but 50% on One Phase and Instant Funding; the 90% ceiling requires a paid add-on. The5%ers deducts a flat 3.5% from every cash withdrawal
- All figures are as of the dates given. Confirm current terms on the official sites
- Final investment decisions are your own. This site does not provide investment advice.
Recommended firms
FTMO — peace of mind from the industry leader
The industry standard with 11 years of operation (since 2015).
The free trial lets you test everything at no cost, and the 2-Step Challenge fee is refunded with your first payout after passing (no refund if you fail). See the FTMO free trial guide.
The5%ers — for building up from a small ticket
Operating since 2016. Three plans run in parallel — the one-step Hyper Growth, the two-step High Stakes and the three-step Bootcamp — with fees from $19. The profit split climbs in steps toward 100%, but a flat 3.5% is deducted from every withdrawal. On 2026-08-01 this site re-rated The5%ers from High to Low trust (★4.6→3.3) after the firm itself acknowledged payout delays in March 2026. If you use it, keep the ticket small and confirm your first payout arrives before scaling up.
→ Visit The5%ers official (referral code “HZZS4” — 0% discount as of 2026-08-19)