1. A system for cloud-based competitive proposal service management, the system comprising: a computer apparatus including a processor, a memory device, and a communication device; and a software module stored in the memory, comprising computer-readable instructions that when executed by the processor cause the processor to: identify user resources and one or more resource managers associated with the identified user resources; generate a user-specific competitive proposal profile, wherein the user-specific competitive proposal profile comprises user resources, user preferences, historic resource trends, and resource manager terms for resource use; trigger a communicable linkage with the one or more resource managers based on receiving a determined total resource amount required by a merchant; open the communicable linkage with the one or more resource managers for resource manager term change proposals for providing the total resource amount to the merchant; receive term change proposals from the one or more resource managers through the communicable linkage; generate a ranked list of resources from the one or more resource managers for providing the total resource amount to the merchant, wherein the ranked list of resources further comprise an order of preferred term changes relative to the user preferences; transmit the ranked list of resources from the one or more resource managers to the user device; and allow user selection of one of the ranked list of resources for providing the total resource amount to the merchant.