THE DOSSIER — ACCOUNT DEEP-DIVE
Lark Funding $100,000 3-Step Account Rules
Exact dollar thresholds, breach math, and verified sources for this tier.
All-In Cost to First Payout
Sticker price vs real cost — All-In Quantitative Fee Model
If you pass first try
Assumes pass on first attempt. Add 1–2 resets for realistic avg (FPFX: only 7% get payout).
Realistic (1 reset avg)
Non-refundable — every reset is sunk cost
Assumes 1 reset(s). Data fees vary by platform. FPFX base rate: ~7% ever get payout — budget for resets.
Methodology: challenge + resets + activation + data + add-ons − documented refund. Futures add $38/mo data + $149 activation where applicable. We never hide reset cost behind “bonus” language.
RISK ANALYSIS
How Can I Fail This Account?
Before spending capital on this evaluation, these are the exact mathematical and operational tripwires that disqualify traders on this specific model.
Trailing Max Squeeze After Green Runs
With no daily loss to warn you, the trailing maximum is the only tripwire. Early profits ratchet the floor up — then a normal pullback from the new high tags it.
30-Day Inactivity Forfeiture
30 consecutive days without a trade = automatic lock and revoked credentials. Many pass the evaluation and pause before the next step, losing all progress.
Withdrawal Gates Bite After Passing
14 days after Master
Banned Patterns Pass Silently, Fail at Payout
Grid, martingale, all-in sizing, copied signals, and cross-account hedging often trigger no dashboard warning during evaluation — the review lands when you request real money.
COMPLETE RULEBOOK
Every Rule on This Account
Daily drawdown, max drawdown, targets, trading days, payouts, news, holding, automation, inactivity — each rule translated to this 100,000 account's exact dollar numbers.
No Daily Loss Limit
There is no intraday tripwire on this account — no early warning before the end. Only the lifetime maximum protects you, which also means nothing stops a single catastrophic session except your own sizing.
Maximum Loss: 5% (floor starts at $95,000)
Static: the floor is set once from your starting balance and never moves — profits never drag it up behind you. Across the whole lifetime of the account, equity can never print below the current floor.
Profit Target: 5% ($5,000) → 4% ($4,000)
Bank $5,000 to clear phase 1, then $4,000 more in phase 2. Targets are measured on closed-trade profit from the starting balance — open floating P&L does not pass you.
No Minimum Trading Days
Hit the target in a single session and you pass — no forced grinding. Discipline still applies: every other rule (drawdown, consistency where active, strategy bans) is fully enforced on that one day.
Payouts: Bi-weekly Master; monthly base check 3 days + drawdown > −3.5% · 80% split
14 days after Master. Your share of every approved withdrawal is 80%, up to 90% with the scale-up/add-on.
News Trading: Allowed
Allowed
Holding: Weekend Closed · Overnight Allowed
Allowed
Expert Advisors / Bots: Allowed
Automation is permitted — but verify whether your firm requires a paid add-on, platform restriction (MT4/MT5 only at some firms), or bot registration before the first automated trade. Unauthorized automation is a standalone violation.
Copy Trading & Hedging Boundaries
Copy trading involving a funded account (either direction), third-party signals, and for-hire account management are prohibited. Hedging inside this single account is fine; mirrored positions across accounts or external brokers are banned.
Inactivity: 30 Days
Place at least one trade every 30 consecutive days or the account is automatically deactivated — no warning email, no extension. This kills more passed evaluations than any market move: traders pass, take a break, and return to revoked credentials.
Markets, Leverage & Platforms
Trade Forex · Metals · Indices · Commodities · Crypto · Stocks. Leverage: FX 50:1 · XAU 10:1 XAG 5:1 · Indices 20:1 · Crypto 2:1. Platforms: DXTrade, cTrader, Match Trader.
SIMULATOR
Interactive Drawdown Simulator
Pre-configured for 100,000 • 0% daily, 5% max — adjust equity to test breach.
Account size
Live calculations
Daily floor
$100,000
Breached by $0
Max floor
$95,000
Buffer $5,000
Account is currently BREACH. Account has violated official prop firm risk limits and is subject to immediate disqualification.
- •Daily Drawdown Breached: Current equity ($100,000) has breached the daily loss floor ($100,000).
SIGNATURE VISUAL
Same trade, different fate — see why
This +1.8% win (+$1,800) followed by a -0.5% loss with an intraday dip is replayed against each program's real drawdown math.
Same Trade → Different Program → Different Outcome
One trade history, replayed against each program's real rules
Day 1 Win (+1.8%)
+$1,800
Day 2 Loss (-0.5%)
$-500
low $96,500
Day 3 Overnight (+0.3%)
+$300
low $99,000
Lark 1-Step Career Evaluation
Survives all trades
5% daily • 7% max • static
$100,000 • final $101,600
- • Final: +$1,600 profit, peak $101,800
Lark 3-Step Evaluation
Daily drawdown breach on Day 2 Loss (-0.5%)
0% daily • 5% max • static
$100,000 • final $101,300
- • Trade 2 (Day 2 Loss (-0.5%)): equity low $98,300 ≤ daily floor $101,800 (0%)
Lark Instant Master Account
Survives all trades
5% daily • 8% max • trailing balance
$100,000 • final $101,600
- • Final: +$1,600 profit, peak $101,800
This is the moat: traders finally understand “the problem is not your trade, it is how the program's rules interpret the trade.” Math is exact — equity vs balance, EOD vs intraday included.
THE RULES · 9 APPLY TO THIS 3-STEP EVALUATION
Explain the Rules
Exact formulas, plain translations, and verified source citations — filtered to 9 of 12 firm rules that govern this program.
ACCOUNT FAQ
Frequently Asked Questions: Lark Funding $100,000 3-Step Rules
What are the Lark Funding $100,000 3-Step account rules?
The Lark Funding $100,000 3-Step ($100,000 nominal capital) enforces a no daily loss limit, a 5% static maximum drawdown, a 5% Phase 1 profit target and 4% Phase 2 target, and 0 minimum trading days.
How is drawdown calculated on the Lark Funding $100,000 3-Step account?
This tier has no daily drawdown cap; only the lifetime maximum loss limit applies. Maximum total loss is 5% ($5,000) enforced as static from the $100,000 starting balance.
What is the profit split and minimum trading days for Lark Funding $100,000 3-Step?
Traders receive a 80% base profit split (up to 90% with add-on) paid on a bi-weekly master; monthly base check 3 days + drawdown > −3.5% cycle, with 0 minimum trading days required per evaluation phase.