ThinkCapital
A broker-backed firm (ThinkMarkets) with instant, 1-, 2- and 3-step routes.
- 90% profit split
- 14 days payouts
- 2-step evaluation
- Save 20% · code RADAR20
- Up to $1.5M capital
Affiliate link · may earn commission
- Profit split
- 90%
- Your share
- Evaluation
- 2-step
- Funding path
- Price from
- $49
- Cheapest account
- Payout speed
- 14 days
- Time to get paid
- Max capital
- $1.5M
- Scaling ceiling
- Payout reliability
- 84/100
- Pays consistently
Score breakdown
Weighted · payout reliability counts mostHow you get funded with ThinkCapital
Five steps from buying the challenge to cashing out — and the number that matters most at each stage.
- Step 11
Buy the challenge
$49→ $39 with RADAR20 - Step 22
Pass the evaluation
Dual Step: 8% / 5%respect the drawdown - Step 33
Get funded
90% splitkeep up to 90% of profits - Step 44
Get paid
14 daysBi-weekly (14 days) - Step 55
Scale up
$1.5Mgrow your allocation
Our verdict on ThinkCapital
ThinkCapital is backed by the regulated brokerage ThinkMarkets (CEO Faizan Anees) and runs on its ThinkTrader platform, with MT5 available for EA users. It offers Bolt instant funding, Lightning one-step, Dual Step two-step and Nexus three-step routes, an 80% split that scales to 90%, and a scaling plan reaching $1.5M in capital.
In practice, that means you can get into a funded forex / crypto account for as little as $49 (about $39 after the RADAR20 code), keep 90% of your profits, and — the part that actually matters — expect payouts in 14 days. Where ThinkCapital stands out, and where it doesn't, comes down to the detail below: the 2-step evaluation, the drawdown model, and the rules that decide whether a passed challenge really converts into cash in your account.
How we review & sourcing: Our reviews are built from each firm's official website (thinkcapital.com) alongside Prop Firm Match and other large public sources — trader communities and payout reports. Figures were last updated in July 2026. Prop-firm prices and rules change often, so always confirm the current terms on thinkcapital.com before you buy.
Bottom line · A credible, broker-backed firm with four flexible models and EA support. The 80% base split and long restricted-country list are the main caveats.
Pros
- Backed by regulated broker ThinkMarkets
- EAs allowed by default on all MT5 challenges
- Scaling plan up to $1.5M capital
- Four models: Bolt, Lightning, Dual Step, Nexus
Cons
- 80% base split — 90% needs scaling or add-on
- Australia, Cyprus, Vietnam and many others restricted
- Strict news-trading windows on most models
- Primary platform is ThinkTrader (MT5 secondary)
Who ThinkCapital is best for
Best suited for
- Forex & multi-asset traders
- Crypto-enabled traders
- Budget-conscious traders testing a strategy
- Traders who want a 90%+ profit split
Use caution if you are
- Traders who dislike a two-phase challenge
- Very risk-averse traders (mid-tier score)
- Anyone relying on one big winning day (consistency rules apply)
Availability & country restrictions
You evaluate and trade a ThinkCapital account entirely online, so your location only matters for compliance. Based in United Kingdom, ThinkCapital accepts traders from most of the world, but — like every regulated prop firm — it cannot onboard traders from internationally sanctioned countries and regions. Some jurisdictions may carry extra restrictions for compliance reasons.
Countries & regions ThinkCapital cannot onboard:
Compliance rules change often. Before you buy, confirm your country is eligible on the official ThinkCapital website (thinkcapital.com) — some firms quietly add or remove jurisdictions.
How ThinkCapital compares to the average
ThinkCapital against the average of all 56 firms we track. Green means it beats the field.
| Metric | ThinkCapital | Avg |
|---|---|---|
| Up Trade Funded score | 82 | 84 |
| Profit split | 90% | 90% |
| Cheapest account | $49 | $73 |
| Max capital | $1.5K | $236K |
| Payout reliability | 84/100 | 84/100 |
Account sizes & pricing
Every ThinkCapital account size and its real out-of-pocket price — after our exclusive 20% code (RADAR20).
| Account | Price | With 20% code |
|---|---|---|
| $5,000 | $82 | $66 |
| $10,000 | $138 | $110 |
| $25,000 | $278 | $222 |
| $50,000 | $418 | $334 |
| $100,000 | $698 | $558 |
Key rules you must respect
These are the rules that decide whether a passed ThinkCapital account turns into a payout or an instant loss. Read them carefully — with most prop firms, traders don't fail because they can't make money, they fail because they trip a drawdown or consistency rule they skimmed over. The full, current terms always live on ThinkCapital's official site; the table below is our plain-English summary.
- Evaluation
- Bolt (Instant) / Lightning (1-step) / Dual (2-step) / Nexus (3-step)
- Profit target
- Dual Step: 8% / 5%
- Max daily loss
- 4% (Dual Step)
- Max overall loss
- 8% fixed (Dual Step)
- Profit split
- 80% base, up to 90% with scaling / add-on
- News trading
- Prohibited within 2 min of high-impact news (Swing exempt)
How to pass the ThinkCapital challenge
There's no secret to passing a ThinkCapital evaluation — just a repeatable process built around its specific rules. The goal isn't to get rich in a week; it's to reach the target without ever breaching a limit. The steps below are drawn straight from ThinkCapital's own requirements, in the order that matters. Follow them like a checklist and treat the evaluation as a discipline test, not a lottery ticket.
- 1Reach the profit target (Dual Step: 8% / 5%) without breaching the loss limits — steady, repeatable trades beat one hero move.
- 2Set a hard stop well before the daily loss limit (4% (Dual Step)); a single red day can end the account.
- 3Risk a small fixed amount per trade (many funded traders use 0.5–1% of the account) and stop trading once you hit the target.
Scaling plan
How you go from evaluation to funded and grow your capital with ThinkCapital.
Pass the evaluation
Clear the 2-step challenge from $49 (−20% with RADAR20).
Get funded
Trade the funded account with a 90% profit split and payouts in 14 days.
Scale up
Stay consistent and grow your allocation toward $1.5M.
Trading platforms
ThinkCapital lets you trade on 2 platforms and order-flow tools, so you can keep the charting and execution setup you already know. Pick the one that fits your style — read our full platform reviews before you commit.
ThinkCapital FAQ
The questions traders ask us most before funding a ThinkCapital account.
Who is behind ThinkCapital?+
ThinkCapital is backed by the regulated brokerage ThinkMarkets and led by CEO Faizan Anees, trading on the ThinkTrader platform (with MT5 for EA users).
What profit split does ThinkCapital pay?+
80% by default, rising to 90% through its scaling plan or the Weekly Payout add-on. Payouts are available every 14 days with a $100 minimum.
Can I use Expert Advisors on ThinkCapital?+
Yes — EAs are allowed by default on all MT5 challenges. On ThinkTrader, notify support so your strategy can be reviewed for compliance.
Is ThinkCapital legit and does it actually pay traders?+
ThinkCapital scores 84/100 on payout reliability in our index and has operated since 2024 out of United Kingdom, with a 90% profit split and payouts in 14 days. Before funding an account, check recent trader payout reports and confirm the current terms on the official site — most failed payouts trace back to a rule breach, not the firm refusing to pay.
Which countries can't use ThinkCapital?+
ThinkCapital cannot onboard traders from sanctioned or restricted jurisdictions, which typically include Afghanistan, Albania, Australia, Burundi, Central African Republic, Crimea (Region of Ukraine), Cuba, Cyprus, Iran, Kosovo, Lebanon, Libya, Mali, Myanmar (Burma), North Korea, Republic of the Congo, Russia, Samoa, Somalia, Sudan, Syria, Ukraine, Vatican City, Vietnam, Western Sahara, Yemen and Zambia. Rules change, so always confirm your country is eligible on the official ThinkCapital site before you buy — some firms restrict extra countries for compliance reasons.
What happens if I break a rule on a ThinkCapital funded account?+
Breaching a hard rule — the maximum loss / trailing drawdown, or a daily loss limit where one applies — usually ends the account immediately, even if you were in profit at the time. Softer breaches (like a consistency rule) can instead delay or block a payout. This is why the drawdown type matters more than the profit split: read the Key rules section above before funding.
How long does it take to get funded with ThinkCapital?+
You need to clear the 2-step evaluation. Disciplined traders often pass in one to two weeks; there's no maximum time limit on most plans, so trade at your own pace rather than forcing it. From there you can request your first payout in 14 days.
What platforms and devices can I trade ThinkCapital on?+
ThinkCapital supports ThinkTrader, MetaTrader 5. Most of these offer desktop, web and mobile apps, so you can manage trades from a phone. News trading is restricted (prohibited within 2 min of high-impact news (swing exempt)).
Ready to get funded with ThinkCapital?
Use code RADAR20 for 20% off your evaluation. Score 82/100 · 14 days payouts · 90% split.
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Firm figures on this page are compiled from ThinkCapital's official website and Prop Firm Match, last updated July 2026. Up Trade Funded scores are our own editorial assessment. Prop-firm prices and rules change often — always confirm the current terms on the firm's official website before buying. Links marked "Visit" are affiliate links.