Lark Funding Review
Lark Funding is a CFD prop firm selling simulated accounts on DXTrade, cTrader and Match-Trader. 1-Step challenges run $200 to $1,500 (1-Step Fast from $99, 3-Step from $105) and pay an 80% split plus a monthly base reward of $50 to $1,000 while you qualify. The catches: a $40 fee on every payout, a $10,000 daily gain cap, a paid add-on to hold trades over the weekend, and no refunds.
80% Split + Monthly Base
Challenges From $99
Static Drawdown, No Time Limit
Riseworks Payouts, $40 Fee
Lark Funding at a Glance — Brand Profile & Stats
Who is Lark Funding?
Founded: July 2022 by Matt, who runs the MeetMattL YouTube channel (brand history page)
What it sells: Simulated CFD accounts on forex, indices, metals, crypto, oil and 100+ stock CFDs
Brand claims: “Trusted by 10,000+ traders”, a 15K+ Discord and 24/7 support in 20+ languages
Regulation: None. Lark says its only activity is demo trading education, so it is not authorised by a regulator
Source: larkfunding.com and the Lark Funding help centre, checked 23 Sep 2026.
Trustpilot Reputation
Praise: Support speed and payout speed come up most often
Complaints: Recent negative reviews centre on breaches and confusion over how many free resets an evaluation had
How to use it: Read the 1-star reviews from the last month before you buy, not the average
trustpilot.com/review/larkfunding.com, checked 23 Sep 2026.
Promotions
Stacking: Lark says a discount code cannot be combined with a running promotion, and two promotions cannot be combined
Warning: Prop promos rotate every few weeks, so check the plan picker for the offer that is live on the day you buy
larkfunding.com and the Lark Funding help centre, checked 23 Sep 2026.
Platforms & Trading Costs
Markets: Forex, indices, metals, crypto, energies and 100+ stock CFDs; no futures or real shares
Commission: $7 per standard lot round turn on FX and metals; $0.02 a share on stocks; crypto, indices and oil are commission-free
Spreads: Raw spreads from third-party liquidity providers; Lark publishes demo credentials so you can check them live
Leverage: 1-Step 30:1; 3-Step and Instant 50:1 on FX, with lower leverage on metals, indices, stocks and crypto
Source: Lark Funding help centre, checked 23 Sep 2026.
Top Lark Funding Alternatives
FundingPips
Trustpilot 4.5 from 69,247 reviews (23 Sep 2026).
Read our FundingPips review →
FundedNext
Trustpilot 4.5 from 79,686 reviews (23 Sep 2026).
Read our FundedNext review →
FTMO
1-Step and 2-Step challenges on MT4, MT5 and cTrader. Trustpilot 4.8 from 52,687 reviews (23 Sep 2026).
Read our FTMO review →
The5%ers
High Stakes, Bootcamp and instant programmes with a scaling plan. Trustpilot 4.7 from 38,105 reviews (23 Sep 2026).
Read our The5%ers review →
We used to group Lark with Funded Trading Plus; note that its Trustpilot rating is currently hidden for a guideline breach.
What are Lark Funding’s targets and drawdown limits?
$10K and $25K accounts
$10K monthly base: $50 a month while you qualify
$10K target / drawdown: $1,000 (10%) target, $700 (7%) static max loss, $500 (5%) daily loss
$25K fee: $300 one-time (1-Step)
$25K monthly base: $125 a month while you qualify
$25K target / drawdown: $2,500 (10%) target, $1,750 (7%) static max loss, $1,250 (5%) daily loss
1-Step figures from the larkfunding.com plan picker, checked 23 Sep 2026. No minimum trading days and no time limit.
$50K account
$50K monthly base: $250 a month while you qualify
$50K target / drawdown: $5,000 (10%) target, $3,500 (7%) static max loss, $2,500 (5%) daily loss
1-Step figures from the larkfunding.com plan picker, checked 23 Sep 2026. No minimum trading days and no time limit.
$100K account
$100K monthly base: $500 a month while you qualify
$100K target / drawdown: $10,000 (10%) target, $7,000 (7%) static max loss, $5,000 (5%) daily loss
1-Step figures from the larkfunding.com plan picker, checked 23 Sep 2026. No minimum trading days and no time limit.
$200K account
$200K monthly base: $1,000 a month while you qualify
$200K target / drawdown: $20,000 (10%) target, $14,000 (7%) static max loss, $10,000 (5%) daily loss
1-Step figures from the larkfunding.com plan picker, checked 23 Sep 2026. No minimum trading days and no time limit.
How do Lark Funding’s programmes work?
Instant Funding
Drawdown: 8% trailing from your highest closing balance; it locks at your starting balance once you are 8% up or take your first payout
Daily loss: 5%, measured from the previous day’s closing balance at 5 PM ET
Split and payouts: 90%; first payout on demand, then every 30 days
Small print: On $1,000 Instant accounts the total payout is capped at $100, minimum $50, with no $40 fee
Source: Lark Funding help centre, “Instant Master Account Details”, checked 23 Sep 2026.
1-Step Evaluation
Rules: 10% target, 7% static max loss, 5% daily loss, no minimum days, no time limit
Funded: 80% split, payouts every 14 days, plus the monthly base reward
Extras: Smart Reset is free on 1-Step if you keep drawdown under 5% and risk 1% or less per trade
The only programme with the Lark Base monthly reward.
3-Step Evaluation
Targets: 5%, then 4%, then 3%
Rules: 5% static max loss, no daily loss limit, no minimum days, 50:1 on FX
Funded: 80% split (a checkout upgrade raises it to 90%), payouts every 14 days
Smart Reset: 75% off a retry rather than free
The cheapest way into a large account, at the cost of three phases.
1-Step Fast, 100K Road & Smart Reset
100K Road: $99 for a $10K account; pass it to unlock $50K at $299, then $100K at $399 (list $800). Coupons last 45 days
Smart Reset: Free reset on 1-Step and 75% off on 3-Step, if you kept drawdown under 5% and never lost more than 1% on a trade
Funded reset: After breaching a funded account you can ask for a manual review; if approved it costs 3 to 5 times the original fee
Source: larkfunding.com and the Lark Funding help centre, checked 23 Sep 2026.
How much does it cost to trade with Lark Funding?
Profit Split & Monthly Base
Monthly base: 1-Step only: $50, $125, $250, $500 or $1,000 a month by account size
How to qualify: Each 30 days you need 3 trading days with 0.5%+ gain and drawdown no worse than -3.5%
How to claim: Request it by email; Lark processes approved requests in 2 to 3 business days
Catch: The streak resets if you miss a month, and each base payment also loses the $40 processing fee
Source: Lark Funding help centre, “1-Step Career Evaluation Details”, checked 23 Sep 2026.
Payout Fees & Cadence
Minimum: $100 per withdrawal
Fee: $40 flat per payout, taken off the amount you request
Rail: Riseworks; most payouts land in under 6 hours, with up to 3 business days allowed
Add-ons: Weekly payouts can be bought at checkout
On a $100 payout the $40 fee is 40% of it, so batch small withdrawals.
Drawdown & Daily Loss
3-Step: 5% static max loss and no daily loss limit
Instant: 8% trailing max loss and a 5% daily loss limit
1-Step Fast: 12% static max loss
Reset time: Daily limits are calculated from the previous day’s close at 5 PM ET
Source: Lark Funding help centre, checked 23 Sep 2026.
Rules That Cost People Accounts
Stop losses: Every trade needs a stop loss; without one the system closes the trade (a soft breach)
All-or-nothing trading: Banned, with guideline margin use of 50% on FX and metals and 75% elsewhere, and 1.5% risk per idea
Weekends: Trading is disabled at 3:45 PM ET on Friday and open trades are closed unless you buy the Hold Over The Weekend add-on (10% of the account fee)
Inactivity: One trade every 30 days, or the account breaches
Source: Lark Funding help centre, “Prohibited Trading Strategies”, checked 23 Sep 2026.
What Lark Allows
Scalping and hedging: Scalping is allowed; hedging inside one account is allowed, but not between accounts
EAs and copiers: EAs are allowed (no public API); you may copy from an outside account into one evaluation, and across funded accounts
Consistency rule: None, in the evaluation or when funded
Overnight: Allowed, with swaps unless you take a swap-free account
Source: Lark Funding help centre, checked 23 Sep 2026.
Fees, Limits & Refunds
Capital limit: $200,000 in funded evaluation accounts at once, or $100,000 on Instant; extra passes wait in line
Add-ons: Weekend holding 10% of the fee, weekly payouts, 90% split upgrade on 3-Step
Commission: $7 per standard lot round turn on FX and metals; $0.02 a share on stocks
Gain Protector: If you breach the daily limit but kept losses under 1% and traded 5+ days, Lark says it still pays the gains
Source: Lark Funding help centre, checked 23 Sep 2026.
Video Guides & Trader Feedback
▶ Watch 4 Lark Funding Reviews




What Reviewers Like
Payout speed: Riseworks payouts usually arrive the same day
Rules: No consistency rule, no news restriction and no minimum days
Summarised from the Trustpilot profile, 23 Sep 2026.
What Reviewers Complain About
Fees: The $40 payout fee and the 10% weekend add-on surprise people
Our take: Read the newest 1-star reviews and the rule articles before buying a large account
Trustpilot, 23 Sep 2026.
Payout Evidence
What we can verify: That the carousel exists; we cannot audit individual payouts
Independent check: Trustpilot reviews mentioning received payouts, and the firm’s Discord
Treat brand payout counters as claims, not verified totals.
Community & Support
Support: 24/7, advertised in 20+ languages
Founder: Matt, who publishes on the MeetMattL YouTube channel
Source: larkfunding.com, 23 Sep 2026.
Which countries cannot use Lark Funding?
Restricted Countries — Official Lark List (6)
Lark Funding says it is not available in these places:
Also check Riseworks: payouts run through Riseworks, so your country and state must be supported there as well. Lark links to the Riseworks unsupported-countries list, which is longer than its own.
Source: Lark Funding help centre, “What countries are we available in?”, checked 23 Sep 2026. Traders must be 18 or older.
Lark Funding Pros and Cons
Pros
- Monthly base reward of $50 to $1,000 on 1-Step, paid even in a flat month
- No consistency rule, no news restriction and no minimum trading days
- Static drawdown on 1-Step (7%) and 3-Step (5%); nothing trails against you
- Cheap entry: 1-Step Fast from $99 and 3-Step from $105
- Free Smart Reset on 1-Step (75% off on 3-Step) if you traded inside the risk rules
- Payouts every 14 days through Riseworks, usually inside 6 hours
- Three platforms: DXTrade, cTrader and Match-Trader
Cons
- $40 flat fee on every payout, including each monthly base payment
- Weekend holding costs an extra 10% of the account fee
- Gains are capped at $10,000 per day or per trade, with hard penalties
- Every trade needs a stop loss or the system closes it
- Challenge fees are never refunded
- Trustpilot 4.3 from only 525 reviews (23 Sep 2026): a small record for a 2022 firm
- Simulated accounts from an unregulated operator; Quebec, Russia, Belarus, Iran, North Korea and Myanmar are excluded
How much does a Lark Funding challenge cost?
Every Lark plan is a one-time fee with no time limit and no renewal, and none of it is refundable. These prices come from the plan pickers on larkfunding.com, checked 23 Sep 2026.
| Size | 1-Step Fast | 1-Step | 3-Step | Instant | 100K Road |
|---|---|---|---|---|---|
| $5K | — | — | — | $200 | — |
| $10K | $99 | $200 | $105 | $400 | $99 |
| $25K | $230 | $300 | $175 | $1,125 | — |
| $50K | $349 | $500 | $280 | $2,750 | $299 |
| $100K | $599 | $800 | $370 | $4,500 | $399 |
| $200K | $899 | $1,500 | $750 | — | — |
100K Road prices unlock in order: $99 for the $10K, then $299 for the $50K, then $399 for the $100K. A September promo added a free reset to 1-Step and 3-Step accounts until 30 Sep 2026. Add-ons cost extra: weekend holding is 10% of the fee, and 3-Step can be upgraded to a 90% split.
Lark Funding vs FundingPips vs FTMO
Only figures we checked on 23 Sep 2026 are shown; for each competitor’s prices and rules, read the full review.
| Lark Funding | FundingPips | FTMO | |
|---|---|---|---|
| Trustpilot (23 Sep 2026) | 4.3 from 525 | 4.5 from 69,247 | 4.8 from 52,687 |
| Cheapest entry | $99 (1-Step Fast $10K) | See our FundingPips review | See our FTMO review |
| Funded split | 80%, or 90% on Instant | See our FundingPips review | See our FTMO review |
| Monthly base reward | $50 to $1,000 on 1-Step | No | No |
| Payout fee | $40 per payout | See our FundingPips review | See our FTMO review |
| Platforms | DXTrade, cTrader, Match-Trader | See our FundingPips review | MT4, MT5, cTrader |
Verdict: Lark is the only one of the three paying a monthly base, and its static drawdown is friendlier than most. Against that, it is a smaller firm with a $40 fee on every payout. Traders comparing it with OFP Funding are usually weighing the same thing: monthly income versus a larger, better-reviewed firm.
Why Choose Lark Funding? What Stands Out — and What to Watch

What stands out: Lark is the rare prop firm that pays you for turning up. On a 1-Step account, three trading days with a 0.5% gain and a drawdown no worse than -3.5% earn a monthly base of $50 to $1,000, on top of the 80% performance split. The drawdown is static, there is no consistency rule, no minimum days and no time limit, and entry is cheap: $99 for a $10K 1-Step Fast account or $105 for a $10K 3-Step.
What to watch: every payout, including each base payment, loses a $40 flat fee, so small withdrawals are expensive. Gains are capped at $10,000 a day and per trade, every trade needs a stop loss, and holding over the weekend costs another 10% of the account fee. Fees are never refunded, and with 525 Trustpilot reviews the public record is still small. Start on the cheapest account, take a payout, and only then scale.
All figures checked on larkfunding.com and its help centre, 23 Sep 2026.
Frequently Asked Questions