
ThinkCapital
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Based on 1 review
ThinkCapital Review: Rules, Profit Split & Payouts
ThinkCapital is a forex prop firm that sets itself apart through its partnership with the broker ThinkMarkets, and it lets funded traders send payouts to a personal ThinkMarkets live account as well as to crypto or Rise. It sells three evaluations and one instant funding account: the Lightning 1-step challenge, the Dual Step 2-step challenge in Intraday and Swing versions, the Nexus 3-step challenge, and Bolt, an instant funding account with no evaluation. Its program pages list account sizes from $5,000 to $100,000 (Bolt from $2,500 to $50,000), the terms also list $200,000 evaluations, and the funded allocation reaches $600,000. Trading is on ThinkTrader with TradingView integration, across forex, commodities, indices and crypto, in USD accounts.
The ThinkCapital rules differ by program. Lightning asks for a 10% profit target with a 3% daily and 6% trailing drawdown. Dual Step sets 9% then 5% with a 4% daily and 7% maximum loss, and Nexus sets 7%, 6% and 5% with 4% daily and 8% fixed to the starting balance. Each challenge needs 3 minimum trading days and has no time limit. Bolt has no target but a 3% daily and 6% trailing equity limit, a 20% consistency rule, and 5 profitable days before each payout. News trading is banned 2 minutes either side of red-folder news on Lightning, Dual Step Intraday and Nexus, and 5 minutes on Bolt; only Dual Step Swing allows it by default. Weekend holding is not allowed on Dual Step Intraday or Bolt, and every account needs a trade at least every 30 days.
The profit split is 80%, raised to 90% through scaling or an add-on. Payouts are bi-weekly from the first trade, or weekly with an add-on, and are processed within 3 business days; the minimum is USD 100 and Rise payouts carry a $50 monthly fee. Funded Lightning, Dual Step and Nexus accounts need 3 profitable days per payout. ThinkCapital refunds an unused account within 14 days, less a $20 fee where applicable, and returns the challenge fee with the 3rd payout. Its 5K cards list Nexus at $39, Lightning and Dual Step Intraday at $59, Dual Step Swing at $82 and the $2,500 Bolt at $49. Residents and citizens of 29 countries, including Australia, Cyprus, Vietnam and British Columbia, are not accepted.
1-step, 2-step and 3-step challenges plus Bolt instant funding
80% profit split, 90% with scaling or an add-on
Payouts can go to a ThinkMarkets personal live account, USDT or Rise
Lightning 1-step: 10% target, 3% daily and 6% trailing drawdown
Bi-weekly payouts by default, weekly with an add-on; USD 100 minimum
No news trading 2 minutes either side of high-impact news except on Dual Step Swing
20% consistency rule on Bolt only
Funded allocation up to $600,000, scaling up to $1.5 million
Is ThinkCapital legit?
Prop Firm Pal has not verified ThinkCapital, so this is not an endorsement: it is what the record shows. Its own pages name the operating company as TFG (Payments) Limited, in London, United Kingdom (registered office). It was founded in 2024. Its website has been active in Prop Firm Pal's monthly traffic record since November 2025, and traffic over the last three months is falling sharply. Its payout policy is published, and summarised on the Payouts tab.
Record
What we hold
Company
What we hold
TFG (Payments) Limited
Founded
What we hold
2024
Headquarters
What we hold
London, United Kingdom (registered office)
In our traffic record
What we hold
Since November 2025 (10 months)
Traffic, last three months
What we hold
Falling sharply (-53% to August 2026)
In ThinkCapital's words
Company: “The Customer acknowledges that the Customer’s contract for the Services is solely with TFG (Payments) Limited and that no other ThinkMarkets-group entity is a party to, or guarantor of, that contract.” www.thinkcapital.com/…/terms-of-services
Headquarters: “ADDRESS: 85 GREAT PORTLAND STREET FIRST FLOOR LONDON ENGLAND W1W 7LT” www.thinkcapital.com/…/refund-policy
ThinkCapital trading platforms
ThinkCapital challenges & plans
Plan
Type
Account size
Price
Profit target
Daily drawdown
Max drawdown
Drawdown type
Profit split
Min trading days
Lightning
Type
1-step
Account size
$5K
Price
$59
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
3
Lightning
Type
1-step
Account size
$10K
Price
—
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
3
Lightning
Type
1-step
Account size
$25K
Price
—
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
3
Lightning
Type
1-step
Account size
$50K
Price
—
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
3
Lightning
Type
1-step
Account size
$100K
Price
—
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
3
Dual Step Intraday
Type
2-step
Account size
$5K
Price
$59
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Dual Step Intraday
Type
2-step
Account size
$10K
Price
—
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Dual Step Intraday
Type
2-step
Account size
$25K
Price
—
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Dual Step Intraday
Type
2-step
Account size
$50K
Price
—
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Dual Step Intraday
Type
2-step
Account size
$100K
Price
—
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Dual Step Swing
Type
2-step
Account size
$5K
Price
$82
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Dual Step Swing
Type
2-step
Account size
$10K
Price
—
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Dual Step Swing
Type
2-step
Account size
$25K
Price
—
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Dual Step Swing
Type
2-step
Account size
$50K
Price
—
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Dual Step Swing
Type
2-step
Account size
$100K
Price
—
Profit target
9%
Daily drawdown
4%
Max drawdown
7%
Drawdown type
static
Profit split
80%
Min trading days
3
Nexus
Type
3-step
Account size
$5K
Price
$39
Profit target
7%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
80%
Min trading days
3
Nexus
Type
3-step
Account size
$10K
Price
—
Profit target
7%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
80%
Min trading days
3
Nexus
Type
3-step
Account size
$25K
Price
—
Profit target
7%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
80%
Min trading days
3
Nexus
Type
3-step
Account size
$50K
Price
—
Profit target
7%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
80%
Min trading days
3
Nexus
Type
3-step
Account size
$100K
Price
—
Profit target
7%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
80%
Min trading days
3
Bolt
Type
instant funding
Account size
$2.5K
Price
$49
Profit target
—
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
—
Bolt
Type
instant funding
Account size
$5K
Price
—
Profit target
—
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
—
Bolt
Type
instant funding
Account size
$10K
Price
—
Profit target
—
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
—
Bolt
Type
instant funding
Account size
$25K
Price
—
Profit target
—
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
—
Bolt
Type
instant funding
Account size
$50K
Price
—
Profit target
—
Daily drawdown
3%
Max drawdown
6%
Drawdown type
trailing
Profit split
80%
Min trading days
—
ThinkCapital trading rules
Rule
Stance
Condition
News trading
Stance
Conditional
Condition
No trading 2 minutes either side of red-folder news on Lightning, Dual Step Intraday and Nexus (Lightning and Nexus can buy a News Trading add-on); 5 minutes either side on Bolt; allowed by default on Dual Step Swing
Expert advisors and automated trading
Stance
Conditional
Condition
Tools compatible with ThinkTrader only, declared to support by email in advance; support may ask for the EA file or proof of purchase
Copy trading
Stance
Conditional
Condition
Only between ThinkCapital accounts; copying trades in from other prop firm accounts or personal accounts is not permitted
Hedging
Stance
Conditional
Condition
Prohibited across multiple accounts; hedging within one account is not addressed
Martingale and grid strategies
Stance
Not permitted
Condition
—
High-frequency and latency arbitrage
Stance
Not permitted
Condition
—
Consistency rule
Stance
Applies
Condition
Bolt only: the largest single day's profit may not exceed 20% of total profit before a payout; none on Lightning, Dual Step or Nexus
Weekend holding
Stance
Conditional
Condition
Allowed on Lightning, Nexus and Dual Step Swing; Dual Step Intraday and Bolt funded accounts must be flat before Friday 21:00 UTC or hard breach
Overnight holding
Stance
Permitted
Condition
—
Minimum trading days
Stance
Applies
Condition
3 trading days per challenge; funded Lightning, Dual Step and Nexus need 3 profitable days (0.5%+) per payout; Bolt needs 5 per payout interval
Time limit
Stance
None
Condition
No time limit; maximum trading days listed as unlimited on every program, though one trade every 30 days is required
Maximum number of accounts
Stance
Applies
Condition
Up to 4 active Bolt accounts, one per size; challenge accounts are capped by a $600,000 funded allocation rather than a count
Prohibited instruments
Stance
Conditional
Condition
No crypto on Bolt; Bolt trades forex, commodities and indices only
Account sharing
Stance
Not permitted
Condition
—
News trading is banned from 2 minutes before to 2 minutes after red-folder news on Lightning, Dual Step Intraday and Nexus, and 5 minutes either side on Bolt; Dual Step Swing allows it by default, and Lightning and Nexus can buy a News Trading add-on.
EAs and automated tools compatible with ThinkTrader are allowed on challenge and funded accounts, but must be declared to support by email in advance.
Copy trading is allowed between ThinkCapital accounts, but trades may not be copied in from other prop firm accounts or personal accounts.
Hedging or group hedging across multiple accounts is not allowed.
Martingale trading is not permitted.
HFT algorithms and bots are prohibited.
Bolt accounts have a 20% consistency rule on the largest single day's share of total profit; Lightning, Dual Step and Nexus have none.
Weekend holding is allowed on Lightning, Nexus and Dual Step Swing, but Dual Step Intraday and Bolt funded accounts must be flat before Friday 21:00 UTC.
Trades may be held overnight on every account type.
Challenges need trades on 3 different days; funded Lightning, Dual Step and Nexus accounts need 3 profitable days of at least 0.5% per payout, and Bolt needs 5 per payout interval.
No program lists a maximum number of trading days, but an account without a trade in 30 days is terminated.
A trader may hold up to 4 active Bolt accounts, one per size.
Crypto cannot be traded on Bolt accounts.
Funded accounts may not be shared or resold.
ThinkCapital payout rules
Payout
Detail
Profit split
Detail
Up to 90%
Payout frequency
Detail
Bi-weekly by default, counted from the first trade; weekly with the Weekly Payout add-on
Processing time
Detail
Processed within 3 business days, then 24 to 48 hours to arrive (bank transfers up to 5 business days)
Minimum payout
Detail
USD 100
Payout methods
ThinkCapital account policies
Policy
Detail
Refund policy
Detail
Refund within 14 calendar days of purchase if no order has been opened, less a $20 administrative fee where applicable; after passing, the challenge fee is refunded with the 3rd payout
Scaling plan
Detail
Lightning, Dual Step and Nexus: a 20% increase of the initial balance for at least 10% profit over a three-month review with three withdrawals, requested by email, up to $1.5 million; Bolt: a one-time 20% increase
Inactivity
Detail
At least one trade every 30 days on every challenge and funded account, or the account is terminated
KYC
Detail
Government-issued photo ID and proof of address dated within the last 60 days; clients must be over 18
Support
Detail
Email accepted 24 hours a day; replies during business hours
ThinkCapital fees
Fee
Amount
Applies to
Rise payout fee
Amount
$50 USD flat, deducted once per month
Applies to
Payouts requested via Rise
Refund administrative fee
Amount
$20 per refund transaction
Applies to
Refunds, where applicable
Firm details
Detail
As published
Legal name
As published
TFG (Payments) Limited
Headquarters
As published
London, United Kingdom (registered office)
ThinkCapital restricted countries
ThinkCapital web traffic, month by month
Prop Firm Pal has tracked ThinkCapital's website traffic every month since November 2025. In August 2026 the site received an estimated 58.06K visits, up 16% on the month before and down 53% over three months.
Its busiest month on record was December 2025 at roughly 311.60K visits. Traffic now is 81% below that peak.
A fall of this size over a quarter is the pattern that most often precedes a firm winding down, though it is not proof of it on its own — marketing spend, seasonality and a single lost traffic source all produce the same shape. It is worth weighing before paying for an evaluation.
These are third-party estimates of website visits, collected once a month and stored against the month they describe. They are not trader counts, funded-account numbers or revenue.
Month
Estimated visits
Change
November 2025
Estimated visits
130.40K
Change
—
December 2025
Estimated visits
311.60K
Change
+139%
January 2026
Estimated visits
255.68K
Change
-18%
February 2026
Estimated visits
136.86K
Change
-46%
March 2026
Estimated visits
107.86K
Change
-21%
April 2026
Estimated visits
94.57K
Change
-12%
May 2026
Estimated visits
123.66K
Change
+31%
June 2026
Estimated visits
81.92K
Change
-34%
July 2026
Estimated visits
49.92K
Change
-39%
August 2026
Estimated visits
58.06K
Change
+16%
How ThinkCapital compares in size
Measured on estimated monthly website visits for August 2026, ThinkCapital ranks 122 of the 477 prop firms Prop Firm Pal tracks — larger than 74% of them, at roughly 58.06K visits a month.
The ranking covers every firm measured between June 2026 and August 2026, each on its own latest reading in that window. Firms last measured before June 2026 are left out rather than shown with a stale figure, so the total moves month to month.
Size is not quality. A large firm is one that markets successfully, and several of the most visited firms in this ranking have the strictest rules; some of the smallest pay out reliably to everyone who asks. What the ranking is useful for is scale — whether you are looking at an established operation or something very new.
Similar-sized firm
Monthly visits
Monthly visits
59.35K
Monthly visits
58.85K
Monthly visits
57.44K
Monthly visits
57.16K
FAQs
What is ThinkCapital's profit split?
ThinkCapital's standard profit split is 80%. It rises to 90% through the scaling plan or a 90% profit split add-on bought at checkout.
How much does a ThinkCapital challenge cost?
ThinkCapital lists a $5,000 Nexus 3-step challenge at $39, a $5,000 Lightning or Dual Step Intraday at $59, a $5,000 Dual Step Swing at $82 and a $2,500 Bolt instant funding account at $49. Prices for larger sizes were not found on the pages read.
Does ThinkCapital offer instant funding?
Yes. Bolt is an instant funding account with no evaluation, from $2,500 to $50,000. It has a 3% daily and 6% trailing drawdown, a 20% consistency rule, no crypto trading, and needs 5 profitable days before each payout.
What are the ThinkCapital challenge rules?
Lightning needs a 10% target with 3% daily and 6% trailing drawdown; Dual Step needs 9% then 5% with 4% daily and 7% maximum loss; Nexus needs 7%, 6% and 5% with 4% daily and 8% maximum loss. Each needs 3 minimum trading days, and none has a time limit.
Does ThinkCapital allow news trading?
Only on Dual Step Swing by default. Lightning, Dual Step Intraday and Nexus ban trading 2 minutes either side of red-folder news unless the Lightning or Nexus News Trading add-on is bought, and Bolt bans it 5 minutes either side.
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