The crucial aspect of declining the costs of running business is possessing by managers the skills to optimise costs including the costs of credits drawn for functioning and modernisation of logistic infrastructure. It is mainly about having the knowledge of choosing proper credit financial forms offered on the market. It is not easy taking into account that every bank uses its individual rules to calculate the amount of credit cost. Within own studies the concrete methods were presented in details, that present the most useful repayment methods (amortisation) of the drawn credit as well as the way of estimating the credit charge costs which should be used in Zakład Kamieniarski. These methods may be easily used in other economic operator when solving difficult financial problems connected with credits repayment.
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