T4TCapitalFM Review: Plans, Rules, and How It Compares
T4TCapitalFM
T4TCapitalFM (T4T Capital Funds Management) is a proprietary trading firm listing Australia as its contact location and selling simulated 1-Step funding evaluations across CFD instruments. Accounts run on cTrader and MT5, with liquidity branding for Pepperstone shown on the firm's homepage. Traders who reach the gain target while staying inside the loss limits move to what the firm calls a Live Trader stage and are paid a share of the simulated gains they generate.
The single most important thing to understand before buying is that T4TCapitalFM sells two separate evaluation product lines at the same time, through two different checkouts, with different rules and different prices for the same account size. Most review coverage describes only one of them. This review covers both, with every figure re-verified against the firm's live site on 31 August 2026.
Line A, "Traders4Traders Challenge Accounts", is the homepage widget: 8 account sizes from $5K to $1M, a 2.5% daily loss limit and a 7.5% maximum loss limit. Line B, "Funding Evaluations", is an on-site store selling 3 products with a 3.0% daily drawdown and a 5.0% trailing drawdown. A $50,000 account costs $195 on Line A and $250 on Line B, and the rules are not the same.
Plans and pricing
Line A is sold from the account-size selector on the homepage and covers eight sizes. Every plan in this line carries an identical rule set: a 10% gain target, a 2.5% daily loss limit, a 7.5% maximum loss limit, a minimum of 5 profitable days, a 2.5% maximum open risk, an unlimited trading period, weekend holding allowed and 20:1 trading leverage. The gain split at the Live Trader stage is 75%.
| Line A account size | Registration fee | Gain target | Daily loss limit | Maximum loss limit |
|---|---|---|---|---|
| $5,000 | $45 | 10% | 2.5% | 7.5% |
| $10,000 | $65 | 10% | 2.5% | 7.5% |
| $25,000 | $95 | 10% | 2.5% | 7.5% |
| $50,000 | $195 | 10% | 2.5% | 7.5% |
| $100,000 | $375 | 10% | 2.5% | 7.5% |
| $200,000 | $750 | 10% | 2.5% | 7.5% |
| $500,000 | $1500 | 10% | 2.5% | 7.5% |
| $1,000,000 | $3000 | 10% | 2.5% | 7.5% |
Line B is a separate on-site store with its own checkout. It sells three evaluations plus two reset fees, and all five were listed as purchasable and in stock when we read the store data on 31 August 2026. These products carry a 10.0% profit target, a 3.0% maximum daily drawdown measured against the account balance at the start of the day, a 5.0% maximum trailing drawdown that trails up to the starting balance, and a consistency rule.
| Line B product | Price | Profit target | Max daily drawdown | Consistency rule |
|---|---|---|---|---|
| $25,000 Standard 1-Step Funding Evaluation | $125 | 10.0% | 3.0% | Minimum 5 trading days |
| $50,000 Standard 1-Step Funding Evaluation | $250 | 10.0% | 3.0% | Minimum 10 trading days |
| $50,000 Pro 1-Step Funding Evaluation | $350 | 10.0% | 3.0% | Minimum 10 trading days |
| $50,000 Standard reset fee | $200 | n/a | n/a | n/a |
| $50,000 Pro reset fee | $280 | n/a | n/a | n/a |
Rules that decide whether you pass
The drawdown model is the clearest difference between the two lines, and it is the rule most likely to end an evaluation. Line A uses a static 7.5% maximum loss limit alongside a 2.5% daily loss limit. Line B uses a trailing 5.0% maximum drawdown that trails up to the starting balance, alongside a 3.0% daily drawdown. A trailing limit that follows your equity upward is materially harder to survive than a static one, so the cheaper Line A $50K at $195 is also the more forgiving of the two on maximum loss, while carrying the tighter daily limit.
Line B adds a consistency requirement that Line A does not publish: a minimum number of trading days (5 on the $25K product, 10 on both $50K products) and a rule that your largest single profit day must be no more than 50% of your total profits. Traders who make most of their return in one session can meet the profit target and still fail on this rule.
Line A publishes a 2.5% maximum open risk, an unlimited trading period, weekend holding allowed and 20:1 trading leverage. On payouts, the firm states that a first payout can be requested 7 days after placing your first trade, and that subsequent pay days fall on the 1st of each month. The Live Trader gain split is 75% on Line A; the $50,000 Pro product on Line B is listed with a split of up to 90%.
On the $25,000 Standard 1-Step Funding Evaluation page, the summary block states a maximum trailing drawdown of 10.0% of the starting balance while the full description on the same page states 5.0%. Both figures were live on 31 August 2026. We are not publishing a single number for this product because the firm's own page does not provide one. Confirm the applicable figure in writing before purchasing this specific plan.
Pros and cons
Pros
- Entry pricing starts at $45 for a $5,000 account, the lowest rung of an eight-size ladder that runs to $1,000,000 at $3,000.
- Both lines publish an unlimited trading period, and Line A allows weekend holding, so there is no calendar pressure on the evaluation.
- Line A applies a static 7.5% maximum loss limit rather than a trailing one, and the same rule set applies unchanged across all eight account sizes.
Cons
- The TrustPilot profile carries a 2.5 out of 5 score from 6 reviews, with 0 reviews in the last 12 months. The profile is registered to the domain proptradr.com and is labelled as merged reviews, so its history spans an earlier brand.
- Two concurrent product lines price the same $50,000 account at $195 and $250 under different drawdown rules, which makes it easy to buy the plan you did not intend to buy.
- The /about-us and /terms-of-use pages both returned HTTP 404 on 31 August 2026, and the firm publishes no company registration number or registered entity name on its site.
How it compares
Against other CFD firms in the same fee band, T4TCapitalFM competes mainly on entry price and on the static drawdown of its Line A products, and is weakest on published verification and review volume.
| Firm | Comparable plan | Price | Profit split | TrustPilot |
|---|---|---|---|---|
| T4TCapitalFM | Line A $50K 1-Step | $195 | 75% | 2.5 (6 reviews) |
| FXIFY | 1-Phase, 10% target, 6% trailing | $199 | Up to 90% | 4.3 (6,198 reviews) |
| RebelsFunding | Gold 1-Phase, 10% target, 6% max | $223 | 75% to 90% | 4.3 (2,666 reviews) |
| Orion Funded | Orion Standard $25K 2-Step | $209 | 80% | 4.5 (1,885 reviews) |
On price the four are close, clustered between $195 and $223 for a one-phase CFD evaluation. The separation is elsewhere. T4TCapitalFM's 75% Line A gain split is the lowest of the group, with FXIFY and RebelsFunding both publishing up to 90% and Orion Funded 80%. On maximum loss, T4TCapitalFM's Line A 7.5% static limit is more generous in absolute terms than FXIFY's 6% and RebelsFunding's 6%, though both of those are trailing rather than static, so the comparison is not like for like.
The widest gap is review volume. T4TCapitalFM's 6 TrustPilot reviews, none of them from the last 12 months, sit against 6,198 for FXIFY, 4,319 for TX3 Funding, 2,666 for RebelsFunding and 1,885 for Orion Funded. A rating drawn from 6 reviews carries far less information than one drawn from thousands, in either direction, and the merged-profile history means those 6 reviews do not all describe the product being sold today.
Verdict
T4TCapitalFM is a workable fit for traders who want a low entry fee on a 1-Step CFD evaluation, who value a static maximum loss limit and an unlimited trading period, and who are comfortable running on cTrader or MT5 at 20:1 leverage. The Line A ladder is internally consistent and priced from $45.
The reservations are about verification rather than about the trading rules. The firm's terms-of-use and about pages were unreachable on 31 August 2026, no registered entity or company number is published, the founding claim of 2009 shown on the homepage could not be corroborated against any business registry, and the TrustPilot profile is a merged one registered to a different domain with 6 reviews and none in the past year. Traders who require documented counterparty verification before committing an evaluation fee should ask for the terms in writing, and should confirm which of the two product lines their purchase belongs to, before paying.
All pricing, rules and rating figures in this review were re-verified against the firm's live site and its TrustPilot profile on 31 August 2026. Sources: the T4TCapitalFM homepage account-size widget, the firm's on-site product store, and the TrustPilot profile for T4TCapital Funds Management.
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