A no-fluff breakdown of the best prop firm setup for working professionals
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Let's be honest—if you're working a full-time job, you don't have the luxury of spending weeks grinding through an evaluation phase. You need something that respects your time, doesn't punish you for having a life outside of charts, and actually lets you get paid without jumping through hoops.
That's exactly why Purdia Capital's Instant Funded Accounts are, in my opinion, the best prop firm setup for anyone with a 9-to-5.
Before we get into Purdia, let's talk about why the typical prop firm model is a nightmare if you have a day job:
When you're squeezing in trades before your morning standup or during lunch break, the last thing you need is a consistency rule telling you that one good day was "too good." Purdia doesn't do that. There's no consistency rule—you trade when you can, however you can, and your profits are yours.
You pay a one-time fee, and you're immediately placed into a Sim Funded Account (SFA). It uses live market data but places simulated orders. Think of it as the firm's way of making sure you can trade—not a months-long audition.
The benchmarks are straightforward—and very doable for someone trading part-time:
| Account Size | Min. Profit Target | EOD Drawdown | Daily Goal (over 5 days) | Min. Trading Days | Min. Profitable Days |
|---|---|---|---|---|---|
| $25,000 | $1,000 | $1,000 | $200/day | 10 | 5 |
| $50,000 | $2,000 | $2,000 | $200/day | 10 | 5 |
| $100,000 ⭐ | $3,000 | $3,000 | $200/day | 10 | 5 |
$200 a day isn't some heroic feat. That's one or two clean trades. You can realistically knock that out in the first hour of a session—before your workday even starts or right after it ends.
After you hit the benchmarks in the SFA, you move to a Live Funded Account (LFA). This is a real brokerage account with real capital. Here's what changes:
The money you made in the SFA moves with you (up to the profit target). You start the live account already in profit.
No waiting period. No "first payout after 30 days" nonsense. Request a payout on your very first day in the LFA.
Every payout request is processed within 24 hours. Domestic and international transfers supported.
No scaling your split from 50% to 80% over months. It's 90% from the start.
This is the part most people miss — and it completely changes the game.
Remember, when you move from the SFA to the Live Funded Account, your profits come with you. And in the LFA, you can request payouts from Day 1. Every day. Processed within 24 hours.
So here's the move:
You already have profits sitting in the account from the SFA phase. Request a payout for half of what you originally paid for the account. Processed within 24 hours.
Next day, pull out the other half. You've now fully recovered your account cost. Every single rupee you paid is back in your bank.
From this point on, you're playing with house money. Every payout is 100% profit. You have nothing left to lose.
Most traders stay "at risk" for weeks or months with other firms, hoping to eventually break even on their evaluation fees. With Purdia, you can be risk-free within 48 hours of going live. That's not a strategy — that's just common sense.
Because you're already profitable when you enter the LFA, the risk parameters are actually quite generous:
Purdia allows up to 3 live trading accounts at a time. Here's why that's perfect for working professionals:
You're taking the same trades across all three accounts. The workload doesn't triple—but the income does. And because you can request payouts daily, the money doesn't sit locked up in the account. You trade, you profit, you withdraw. Every single day.
Here's something nobody talks about: having a day job can actually make you a better funded trader. Here's why:
Limited screen time means you take only the best setups. No sitting there for 8 hours forcing trades out of boredom.
Your salary covers your bills. That removes the desperation that makes most traders blow accounts.
Had a crazy week at work? Skip trading. Had a slow day? Take 3 trades. Purdia doesn't care how you spread your profits.
The drawdown only updates at end of day, not intraday. You can place your trades and go to work without watching every tick.
Let's lay out a realistic timeline for a 9-to-5 trader starting from scratch:
| Week | Action | Status |
|---|---|---|
| Week 1–2 | Open first account, trade during morning/evening session | SFA Phase |
| Week 3 | Hit profit target, complete KYC, onboarding call | Moving to LFA |
| Week 3–4 | Trading live, daily payouts, reinvest into Account #2 | Live + Scaling |
| Month 2+ | Running 2–3 accounts, compounding payouts | Full Operation |
Within a month or two, you can have a fully operational side income that doesn't require you to quit your job, wake up at 4 AM, or stare at charts all day. The system is designed to work around your life—not the other way around.
Most prop firms are designed for full-time traders who can sit at a screen all day and meet rigid daily targets. If that's not you, those firms are going to eat your money.
Purdia's Instant Funded Accounts flip the model. No evaluation, no consistency rule, profits carry forward, 90% split, daily payouts, and up to 3 accounts. For someone working a 9-to-5, this is as close to a "plug and play" prop trading setup as it gets.
You don't need to trade more. You just need to trade smarter, with the right account behind you.