A method and system for more accurately determining and providing market terms for conducting business transactions, wherein a plurality of computers are located at qualified institutions and are connected in electronic association in a cloud communication network, one of which is a server network device that maintains and/or provides the components of the system to process actual transaction data provided by the qualified institutions in real time to calculate market terms that are quickly transmitted back to the institutions. The server network device is a cloud server network device with one or more processors from plural network devices for communication with one or more processors or computers located at the qualified institutions. The market term estimates are calculated using less bandwidth and less processing cycles on the cloud communications network than on a conventional network.