5 Best Prop Firms for US Traders

はじめに

A prop firm, short for proprietary trading firm, funds traders to trade its capital for a share of the profits. For US traders, the hardest step comes before any trading.

Many prop firms stopped accepting US clients after regulators tightened the rules, so finding one that still does is the first task. US retail forex carries capped leverage, while futures trade on regulated exchanges.

The account you trade is usually simulated rather than a live brokerage account. This guide covers which firms take US traders, how payouts and profit splits work, and what to check before you pay.

Choosing a Prop Firm as a US Trader

Here are the five US-friendly prop firms this guide covers:

• Hola Prime: It funds both forex and futures for US traders and pays approved withdrawals within one hour under set conditions.

• Apex Trader Funding: This US futures firm pays a high split early and uses a one-time fee instead of a subscription.

• Topstep: This US futures firm holds one of the longest payout track records in the space.

• Take Profit Trader: This US futures firm centers on flexible, on-demand payouts.

• FundedNext: It accepts US traders across both CFD and futures challenges.

Hola Prime pays approved withdrawals within one hour under set conditions and posts every payout in a public daily report. See exactly how the payout system works.

プロップファームとは何ですか？

A prop firm gives you access to trading capital after you prove your skill, then shares the profits with you.

Here is how the core terms fit together:

• Evaluation, or challenge: This is a test account with a profit target and loss limits that you have to respect to qualify.

• Funded account: When you pass the evaluation, you get access to the firm's capital under set rules, instead of depositing your own money.

• Profit split: This is the share of the profits you keep, which often depends on your payout schedule.

• Drawdown: This is the maximum loss the account can take before it breaches and closes.

• Payout: This is a withdrawal of your share of the profits.

How Does It Work for US Traders?

The process works the same as anywhere else, apart from one detail that matters for US traders.

You pick a challenge and prove you can hit a profit target without breaking the loss limits. Passing it unlocks a funded account.

From there, you trade the firm's capital and keep a share of the profits, which you withdraw as payouts.

The account is simulated, not a live brokerage account in your name. That is why US residents can trade it, even though US rules cap retail forex leverage and restrict the CFD products many global firms offer.

Futures are the most straightforward route, since they trade on regulated US exchanges.

Prop Firms That Accept US Traders at a Glance

The table below compares the main US friendly prop firms on the details that decide a purchase.

Every figure moves over time, so confirm the current terms on each firm's own page before you buy:

The Best Prop Firms for US Traders

These five firms all accept US clients and fit different trading styles, so match the account to what you actually trade.

1. ホラ・プライム

Hola Prime covers both forex and futures and leans on fast, conditional payouts.

You can run the 1-Step Prop firm Challenge from around $39, or take the two-step Pro Challenge. Account sizes reach $300,000 and scale toward $4 million for consistent traders.

You keep up to 95% of profits on the monthly cadence and less on faster schedules. The challenge fee is refundable. Approved withdrawals are processed within one hour under set conditions.

You can also trade US futures on Hola Prime's 1-Step Prime challenge. It starts at $99, funds accounts up to $150,000, and has no daily loss limit. Pass one step, then keep up to 90% of your profits.

Its speed earned the Fastest Payout Prop Firm award for MEA in 2026 from UF Awards. See the full list on Hola Prime's awards page.

2. Apex Trader 資金調達

Apex Trader Funding is a US futures firm known for a high early profit split.

It runs a one-step evaluation, so you hit a profit target once and get funded. You keep 100% of your first $25,000, then 90%.

Apex charges a one-time fee instead of a subscription and measures drawdown at the end of each day. It has changed its rules more than once, so confirm the current terms.

3. Topstep

Topstep has run US futures challenges since 2012, one of the longest track records around.

Its one-step evaluation is called the Trading Combine. You keep 100% of your first $10,000, then 90%.

Topstep is known for quick payouts once you clear its profitable-day rule. It uses a trailing, end-of-day drawdown, so check the current terms before you buy.

4. Take Profit Trader

Take Profit Trader is a US futures firm built for flexible, on-demand payouts.

You clear an evaluation, then trade a funded account like the other futures firms here. Its split reaches up to 90%.

Payouts run on-demand or bi-weekly once you pass a minimum number of trading days. First-payout timing is where futures firms differ most, so read the conditions closely.

5. FundedNext

FundedNext is a US-friendly firm that spans both CFDs and futures.

It accepts US clients for both, according to its own current guidance. That makes it one of the few here to also cover forex-style trading.

Expect one-step, two-step, and instant formats with splits up to 95%. Because US access for CFD products keeps shifting, confirm what is open to US traders before you commit.

What to Check Before You Pick a Prop Firm as a US Trader

US eligibility is only the start of the decision.

Once you have a shortlist, run these checks before you pay:

• Confirm the firm accepts US residents today: Some well-known names, including FTMO, do not take US clients directly and route them through a separate entity that has changed over time. Read the firm's current eligibility page rather than trusting a ranking.

• Match the market to the firm: US retail forex is leverage-capped and CFDs are restricted, so decide whether you are trading forex or futures, then pick a firm that genuinely supports that market for US users.

• Weigh payout reliability over raw speed: A one-hour headline means little without the conditions behind it, so look for documented processing and a transparency report you can actually read.

• Read the profit split against the schedule: The top split usually attaches to a specific payout cadence, so check which percentage applies to weekly, bi-weekly, or monthly withdrawals.

• Understand the drawdown rules: Confirm the daily loss limit, the maximum drawdown, whether it trails or stays static, and how it is measured, since a breach ends the account.

• Check platform access for US users: Some firms limit US traders to certain platforms, so confirm your preferred platform is available before you pay.

• Total the real cost: Add the challenge fee, any reset fees, and payout conditions, then compare a full cycle rather than the sticker price.

Getting Funded With Hola Prime as a US Trader

The right prop firm for you is the one that accepts US traders, pays on clear terms, and fits what you trade. Futures are the simplest route for US traders. Hola Prime covers both futures and forex, so you are not boxed into one market.

It funds accounts up to $300,000, lets you keep up to 95% of profits on the monthly schedule, and processes approved payouts within an hour under set conditions. The challenge fee is refundable, so a failed attempt does not cost you the entry.

Compare the account sizes, targets, and rules, then pick your Hola Prime challenge and start trading the firm's capital.