Abstract: A system and method for determining an expected profit obtained through financing or selling a commodity is disclosed. Financial information from a selected customer is obtained and entered into a computer. Historical data from a remote database is requested. The requested data is a subset of the historical data in the database, with data selected based on the financial information. A plurality of curve fitting models are applied to the historical data subset to form a plurality of historical data subset fitted curves. A likelihood probability value of each fitted curve is calculated and a best fitted curve is selected. A profit function curve and the best fitted curve are combined to form an expected profit curve. Information from the expected profit curve is displayed to enable a finance offer or offer for sale to be made based on the information.