BEM Funding operates a two-step evaluation model that applies the same core structure to every account size. In our analysis of their October 2026 rules, the process emphasizes steady performance over speed, with no fixed calendar deadlines for completion.
Challenge Phases and Structure
- Sign up and purchase. Select your account size on the BEM Funding site and pay the one-time $39 fee. No activation fees apply. Login details arrive immediately after checkout.
- Phase 1: Challenge. Reach a 9 percent profit target while respecting the 4.5 percent daily loss limit and 9 percent static max drawdown. Most plans require at least three trading days. Scalping is permitted, and overnight or weekend holding is allowed unless the specific plan states otherwise.
- Phase 2: Consistency verification. Achieve a 4.5 percent profit target under identical risk limits. Several plans impose an additional consistency rule requiring at least 0.5 percent realized profit on each trading day. This step verifies disciplined trading before funding.
- Funded account. After both phases, traders receive an 80 percent profit split with weekly payouts. The 9 percent static drawdown rule carries forward.
The primary difference between evaluation and funded stages is withdrawal access. During challenges, profits build the account balance but remain unavailable. Weekly payouts begin only after funding and once minimum requirements are met.
Traders comparing multiple firms can compare prop firms on Lune to see how BEM Funding stacks up on drawdown type, payout speed, and consistency requirements across 47 firms.
Profit Targets and Requirements by Account Size
BEM Funding uses consistent percentage targets that remain identical regardless of starting balance. All plans follow the two-step format with the same risk parameters.
Profit Targets
Phase one requires a 9 percent profit target. Phase two requires 4.5 percent. Daily loss stays capped at 4.5 percent and overall drawdown at 9 percent static. Funded accounts pay an 80 percent profit split with weekly processing.
| Account Size | Phase 1 Target | Phase 2 Target | Daily Loss Limit | Max Drawdown | Profit Split |
|---|---|---|---|---|---|
| $5,000 | 9% | 4.5% | 4.5% | 9% static | 80% |
| $10,000 | 9% | 4.5% | 4.5% | 9% static | 80% |
| $100,000 | 9% | 4.5% | 4.5% | 9% static | 80% |
Consistency rules appear in some phase-two descriptions and require a minimum 0.5 percent realized profit on certain trading days. Confirm the exact challenge page for your size before starting.
Time Limits and Minimum Trading Days
BEM Funding does not publish fixed calendar deadlines. Traders advance at their own pace provided they meet the minimum trading day requirement. Most account sizes require at least three trading days in each phase. The $5,000 plan lists no minimum in one listing, so verify the current rule on the firm site before purchase.
Without a hard time limit you can focus on process rather than rushing, but the consistency rules still force steady daily performance in phase two.
Once funded, the weekly payout schedule begins after the first three trading days and processes in one to two business days once conditions are met. No activation fees apply to any listed plans.
BEM Funding Challenge Cost and Account Options
BEM Funding maintains a simple pricing structure. Every account size in the current lineup carries a one-time fee of $39 with no activation or monthly charges.
| Account Size | Program Type | Price | Profit Split |
|---|---|---|---|
| $5,000 | 2-step | $39 | 80% |
| $10,000 | 2-step | $39 | 80% |
| $100,000 | 2-step | $39 | 80% |
The $100,000 accounts deliver the strongest value by account-size-to-price ratio. Traders pay the same $39 fee whether selecting the smallest or largest option, which reduces the effective cost per dollar of buying power on bigger plans. Rules remain consistent across sizes. Each challenge requires a 9 percent profit target in phase one and 4.5 percent in phase two, with a 4.5 percent daily loss limit and 9 percent static maximum drawdown. Minimum trading days range from three to none depending on the exact plan.
Lune's prop firm directory tracks these details and updates automatically when BEM Funding changes rules or pricing. Check the directory for the latest side-by-side comparisons before you commit.
- BEM Funding uses a uniform two-step structure with 9 percent and 4.5 percent targets across all account sizes.
- The flat $39 one-time fee applies to every plan, improving value on larger accounts.
- Consistency rules requiring 0.5 percent daily realized profit appear in some Phase 2 versions and should be reviewed before purchase.
- Weekly 80 percent profit splits begin only after both phases are completed and minimum trading days are met.
- Lune's directory provides automatic updates on rule changes for BEM Funding and 47 other firms.
Lune Research & Editorial Team
The Lune Editorial team covers futures trading, prop firm evaluations, automation, and the trading-tooling landscape. Every post is researched against primary sources, real platform data, and Lune's own infrastructure benchmarks.
Published: October 13, 2026
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