RISK

Trading carries substantial risk of loss. Prop evaluation fees are typically non-refundable and the majority of traders do not pass first attempts. This comparison is for informational purposes only and does not constitute financial advice. Read full risk warning

HEAD-TO-HEAD COMPARISON · 2026

Finotive Funding vs Topstep

Side-by-side comparison of trust scores, profit splits, payout speed, and real trader reviews. Independent data — no sponsored rankings.

FINO

Finotive Funding

EST. 2022

TOPS

Topstep

✓ VERIFIEDEST. 2012

FINOTIVE FUNDING

METRIC

TOPSTEP

72/100BETTER

TRUST SCORE

—66/100

0/5—

RATING

BETTER4/5

90%TIE

PROFIT SPLIT

TIE90%

$300,000BETTER

MAX FUNDING

—$150,000

$49TIE

MIN COST

TIE$49

7dTIE

PAYOUT DAYS

TIE7d

—

PASS RATE

28%

0—

REVIEW COUNT

BETTER1

FINOTIVE FUNDING DETAILS

STEPS: 2-phase
DRAWDOWN: Fixed
MARKETS: Forex, Indices, Commodities, Metals
PLATFORMS: MT4, MT5
TYPES: forex

TOPSTEP DETAILS

STEPS: 1-phase
DRAWDOWN: Trailing EOD
MARKETS: Futures
PLATFORMS: MT4, MT5
TYPES: futures, beginner

Finotive Funding PROS

+Profit split of 90% is well above the industry average of 84.7%
+Min challenge cost of $49 is significantly below the industry average of $186.7
+On-demand payouts offer greater flexibility than monthly or bi-weekly schedules
+Weekend holding, news trading, and EA use are all permitted, maximising trading flexibility

Finotive Funding CONS

−Profit target of 10% is above the industry average of 7.9%, requiring more gain to pass evaluation
−Max funding of $300,000 is below the industry average of $839,272.7
−Two steps to funded is slightly above the industry average of 1.6 steps

Topstep PROS

+Profit split of 90% is well above the industry average of 84.7%, offering traders a superior earnings share.
+Min challenge cost of $49 is well below the industry average of $186.7, making entry highly accessible.
+Single-step funding is better than the industry average of 1.6 steps, streamlining the path to funded status.
+Founded in 2012, Topstep is one of the most established prop firms, providing strong credibility and track record.

Topstep CONS

−Max funding of $150,000 is far below the industry average of $839,272.7, significantly limiting earning potential.
−Overall drawdown of 10% with trailing EOD type means drawdown limits tighten as profits grow, increasing risk.
−Days to first payout at 7 is slightly above the industry average of 6.5, a minor but notable delay.

PROPDNA VERDICT

Finotive Funding

Higher trust score (72/100). Faster payouts at 7d. 90% profit split.

START WITH FINO