Quick Summary
Fortunes Funding is a CFD prop firm offering three distinct challenge types on MetaTrader 5 and Match Trader, with accounts from $5,000 to $200,000 and scaling up to $2,000,000. The firm’s defining feature is its 48-hour payout processing guarantee backed by a $500 penalty if missed, and a stated founder commitment to zero wrongful payout denials. As of July 2026, it holds 581 Trustpilot reviews at 3.5 out of 5, which sits below most established firms in the space and is the key risk factor to weigh before committing capital.
Rating Breakdown
Pros
- 48-hour payout processing guarantee with $500 penalty if missed
- Three distinct challenge types with meaningfully different risk profiles
- Hermes 1-phase option with 90% split from day one
- No consistency rule on The Renaissance
- Weekend holding allowed on all account types including funded
- EAs and algorithmic trading allowed on funded accounts (non-toxic)
- Fee refunded 100% with first payout on all challenge types
- Scaling path up to $2,000,000 on The Renaissance
- Payout via crypto, bank wire, or Rise
- Publicly named CEO with stated founding philosophy
Cons
- 3.5/5 Trustpilot score across 581 reviews — below average for the sector
- No MT4 or cTrader support
- News trading requires a paid add-on on funded accounts
- Spartan has a 25% consistency rule that applies during evaluation phases
- Hermes has the tightest drawdown in the lineup at 6% static with 3% daily
- Fee refund included on second payout (Renaissance) or first payout — varies by challenge
- No confirmed public discount code
- Founding date not publicly disclosed
Account Plans and Pricing
The Renaissance $5,000 account starts at $159. The $100,000 Renaissance is $569. Per-size fees for The Spartan and Hermes are shown at checkout on the Fortunes Funding website. Futures accounts are listed as coming soon.
The Renaissance Challenge Rules (2-Phase)
| Evaluation type | Two-phase |
| Phase 1 profit target | 10% |
| Phase 2 profit target | 5% |
| Min. trading days | 4 days per phase (0.5% realized profit per qualifying day) |
| Time limit | None |
| Max drawdown | 10% static from initial account balance |
| Daily loss limit | 5% of start-of-day balance; resets 5:00 PM EST |
| Drawdown measured on | Equity (real-time, including floating P&L) |
| Consistency rule | None — no single-day cap on profits |
| News trading | Allowed during evaluation; requires add-on on funded account |
| Weekend holding | Allowed |
| Fee refund | 100% refunded on first payout |
| Base profit split | 80% (scales to 90% after first scale-up) |
| Max funded allocation | Up to $2,000,000 via scaling (+25% per scale-up after 10% gain, 4 months, 4 payouts) |
The Spartan Challenge Rules (2-Phase)
| Evaluation type | Two-phase |
| Phase 1 profit target | 8% |
| Phase 2 profit target | 5% |
| Min. trading days | 4 days per phase |
| Time limit | None |
| Max drawdown | 8% static from initial account balance |
| Daily loss limit | 4% of start-of-day balance; resets 5:00 PM EST |
| Drawdown measured on | Equity (real-time, including floating P&L) |
| Consistency rule | 25% — best single day must not exceed 25% of total phase profit (applies during evaluation and payout periods) |
| News trading | Allowed during evaluation; requires add-on on funded account |
| Weekend holding | Allowed |
| Fee refund | 100% refunded on first payout |
| Profit split | 85% fixed |
| Max funded allocation | Up to $1,500,000 via scaling (+25% per scale-up after 10% gain, 4 months, 4 payouts) |
Hermes Challenge Rules (1-Phase)
| Evaluation type | One-phase |
| Profit target | 10% |
| Min. qualifying days | 3 days with net profit of at least 0.25% each |
| Time limit | None |
| Max drawdown | 6% static from initial account balance |
| Daily loss limit | 3% of start-of-day balance; resets 5:00 PM EST |
| Drawdown measured on | Equity (real-time, including floating P&L) |
| Consistency rule (evaluation) | None during evaluation |
| Consistency rule (funded) | 45% — best single day must not exceed 45% of profit since last payout |
| News trading | Allowed during evaluation; requires add-on on funded account |
| Weekend holding | Allowed |
| Fee refund | 100% refunded on first payout |
| Profit split | 90% from day one |
| Max funded allocation | Up to $1,000,000 via scaling (+20% per scale-up after 10% gain, 3 months, 2 payouts) |
Payouts
| First payout | 14 days after first funded trade (standard); 7-day or on-demand available as paid add-ons |
| Default cycle | Bi-weekly (every 14 calendar days) |
| Processing time | Within 48 hours of approval on business days; $500 penalty to trader if missed |
| Profit split | 80% (Renaissance base), 85% (Spartan), 90% (Hermes and Renaissance post-scale) |
| Payout methods | Crypto, bank wire, Rise |
| KYC required | Yes, before funded account activation |
| Fee refund | 100% included with first payout across all challenge types |
| Verified total paid | Not publicly disclosed (payout certificates shown on site) |
Trading Conditions
| Platforms | MetaTrader 5, Match Trader |
| Instruments | Forex (majors, minors, exotics), indices, metals (XAU/USD, XAG/USD), crypto, additional CFDs |
| Max leverage (forex) | 1:50 |
| Max leverage (indices) | 1:20 |
| Max leverage (metals / crypto) | 1:10 |
| News trading (evaluation) | Allowed with no restrictions on all three challenge types |
| News trading (funded) | Restricted by default; paid add-on required for unrestricted news trading |
| Weekend holding | Allowed on all account types |
| Expert Advisors | Allowed on funded accounts if non-toxic; contact support before deploying |
| HFT / tick-scalping / latency arb | Prohibited on funded accounts |
| Martingale / grid strategies | Prohibited on funded accounts |
| Copy trading | Allowed between same-user accounts only; external signal providers prohibited |
| Inactivity rule | Account breached after 30 consecutive days with no completed trade |
Our Verdict
Fortunes Funding has built its brand around one core idea: payouts should not be denied without cause. The 48-hour processing guarantee with a $500 penalty for missed deadlines is a meaningful commitment, not just marketing. Most prop firms give themselves open-ended processing windows. Fortunes Funding has put a number on it and attached a financial consequence. That matters.
The three challenge types give traders a genuine choice between different risk profiles. The Renaissance is the most forgiving: 10% max drawdown, no consistency rule, and a scaling path to $2,000,000 with a 25% increase per scale-up. Traders who run discretionary strategies and occasionally have large single-day wins will find it the most practical option. The Spartan tightens things up to 8% max drawdown and adds a 25% consistency rule at both evaluation and payout stages. That combination makes it a harder pass for momentum traders. Hermes offers the fastest route with a 1-phase structure and 90% split from day one, but the 6% max drawdown and 3% daily loss limit leave the least room for error of any option in the lineup.
The platform mix is the most obvious limitation. MetaTrader 5 and Match Trader cover a reasonable range, but the absence of MT4 rules out traders still running MT4-only EAs, and the absence of cTrader removes a platform many ECN traders prefer. This is a narrower selection than competitors like FXIFY (MT4, MT5, DXtrade, TradingView) or FundingPips.
The Trustpilot picture at 3.5 out of 5 across 581 reviews is the main concern. That score sits in average-to-below-average territory for a prop firm. Common friction points in negative reviews tend to cluster around account breach disputes and verification delays, which is consistent with what shows up in broader community discussion. The firm’s public response to this is the payout guarantee policy, and the CEO James Storms’ active positioning around integrity. Whether the reality matches the positioning is something each trader needs to evaluate through community research before committing.
If you are a discretionary forex or metals trader looking for a 2-phase challenge with no consistency rule and room to scale, The Renaissance is a reasonable option at $569 for the $100K account. If you want the fastest funded path and are comfortable with tight drawdown, Hermes at 90% split with no consistency rule during evaluation is worth considering. Run the numbers on the drawdown limits against your average drawdown before deciding which challenge fits your strategy.
Frequently Asked Questions
Is Fortunes Funding a legitimate prop firm?
Fortunes Funding is an operational CFD prop firm with payout certificates published on its website and a publicly named CEO, James Storms. It holds 581 Trustpilot reviews at 3.5 out of 5 as of July 2026, which is below the average for well-established firms in this space. The firm is not listed on PropFirmMatch, though that alone does not indicate a legitimacy issue. Do your own community research before committing evaluation fees.
What challenge types does Fortunes Funding offer?
Fortunes Funding offers three CFD challenge types. The Renaissance is a 2-phase evaluation with 10% then 5% profit targets, 10% static max drawdown, no consistency rule, and an 80% split scaling to 90%. The Spartan is a 2-phase evaluation with 8% then 5% targets, 8% static max drawdown, 85% split, and a 25% consistency rule. Hermes is a 1-phase evaluation with a 10% target, 6% static max drawdown, and 90% split from day one. All accounts run from $5,000 to $200,000.
What is the Fortunes Funding drawdown rule?
All three challenge types use a static drawdown calculated from the initial account balance that never moves, even as the account grows. The Renaissance sets the max loss at 10% and the daily loss limit at 5%. The Spartan sets them at 8% and 4%. Hermes sets them at 6% and 3%. All drawdown is measured against equity in real time, meaning open floating losses count immediately toward your limit. The daily loss limit resets at 5:00 PM EST each day.
What platforms does Fortunes Funding support?
Fortunes Funding supports MetaTrader 5 and Match Trader across all three challenge types. MT4 and cTrader are not available. Tradable instruments include forex pairs (majors, minors, and exotics), major global indices, metals including Gold and Silver, major crypto pairs, and additional CFDs listed on the platform.
Does Fortunes Funding have a discount code?
No confirmed public discount code for Fortunes Funding is available as of July 2026. Check the Fortunes Funding website directly or their partner program page at fortunesfunding.com/partner for any active promotions before purchasing an evaluation.
Ready to try Fortunes Funding?
3 challenge types. MT5 and Match Trader. 48-hour payout guarantee. Accounts from $5,000 to $200,000.
Visit Fortunes Funding →