English to Polish Bus/Financial Business/Commerce (general) delivery

Penalties for advance delivery

If the advance rate rate is lower than XXX%, XXX% of the disputed quarterly turnover excl. taxes
If the advance rate rate is between XXX% and XXX%, XXX% of the disputed quarterly turnover excl. taxes If the advance rate rate is between XXX% and XXX%, XXX% of the disputed quarterly turnover excl. taxes
If the advance rate rate is equal or greater than XXX%, XXX% of the disputed quarterly turnover excl. taxes

I sam nagłówek... kary [umowne] za wczesną/przedterminową dostawę?

***
w innym źródle znalazłam coś takiego, ale nadal nie rozumiem, o co tutaj chodzi :(
What is an 'Advance Rate'
An advance rate is the maximum percentage of the value of a collateral that a lender is willing to extend for a loan. The advance rate helps a borrower determine what kind of collateral to bring to the table in order to secure the desired loan amount, and helps minimize a lender's loss exposure when accepting collateral that can fluctuate in value.