The way the certs work is you pre-pay for tooling and roll it into the cost of your loan if you have one. They will typically say 25-50% discount but this is on FULL LIST PRICE. You never buy tooling at full list price from your tooling supplier as long as you are a shrewd negotiator. You should be by now in this phase of business.....
Tool suppliers usually will have tooling package deals from time to time also and some can get strings pulled for you from say techniks, big kaiser, shunk, etc. "not to discount mari-tool, those are fantastic usa made tools, I just dont happen to have many in my shop because im pushing for big kaiser exclusively in my shop... Look into maritool!
so to recap, you add a 25-50% discount (usually not 50%) certificate that you have to prepay via your machine loan and that discount is gone after the 5 years of the loan. You would be better off just buying your tooling outright from a supplier without the stupid certificate thats only a discount off full list price (those prices are insane and you will never pay that ever)