The article details the use of computational tools that can be used by management and banking in the credit analysis of alternatives and the search for new mechanisms of access to finance that here is exposed and can be used in the search for banking products. The gradient payment methods are different from the traditional on which fees vary each period. The use of gradient improves cash flow, payments here are not the same if not increase or decrease as needed periodically. GEOGEBRA is a software that allows you to interact with the elements of a credit, its interface has a dynamic geometry system for analysis, visualization and estimation of all kinds of calculations, is a basic tool for decision-making.