Equipment We Finance
CBCT & 3D Imaging Financing
Finance CBCT and 3D imaging systems from all major manufacturers. Application-only to $400k, 1-2 week funding. Get rate quotes for your next cone beam system.
Cone beam CT adds a clinical dimension that flat film and panoramic imaging simply cannot deliver. The three-dimensional view of bone anatomy, tooth position, sinus proximity, and nerve canal location changes treatment planning for implants, surgery, orthodontics, and endodontics in ways that show up in both patient outcomes and production. Practices that bring CBCT in-house stop referring out imaging studies and capture that fee, while also shortening the treatment decision cycle at the consultation appointment.
CBCT systems range from small-volume units intended for implant planning to large-volume scanners covering full skull anatomy for orthodontic analysis. Entry systems from value-oriented manufacturers start around $40,000 to $60,000. Mid-range units with larger fields of view and better resolution software from brands like Vatech or Carestream Dental run $80,000 to $130,000. High-end systems from Planmeca or Dentsply Sirona with multi-modality capability, combining CBCT with cephalometric and panoramic in one unit, can exceed $160,000. All of these land squarely in our financing range.
Understanding the CBCT Investment
A CBCT purchase is a significant capital commitment for most practices, but the ROI analysis is more direct than many equipment categories. The imaging fee for a CBCT scan typically runs $150 to $350 per scan in a general practice setting. An implant-placing practice doing 30 implant consultations per month where half result in a pre-surgical CBCT study generates meaningful imaging revenue. The scan income alone, combined with reduced referrals, can put a mid-range CBCT system at breakeven in two to three years of active use for an appropriately busy practice.
The site requirements also matter for budget planning. Most CBCT systems require a dedicated room with appropriate wall construction for radiation compliance, a dedicated circuit, and sometimes a structural floor reinforcement for heavier units. These construction costs are separate from the equipment but can sometimes be financed through tenant improvement loans or bundled into a complete practice buildout approval.
Software matters as much as hardware for many clinical workflows. 3D treatment planning software licenses, implant planning modules, and airway analysis tools are often sold separately from the base hardware. These software packages are financeable when purchased alongside the unit. Ask your vendor to provide a complete quote that includes all software, training, and installation so we can include it in one approval.
Which Practices Benefit Most from CBCT Financing
General practices that place implants are the most common CBCT buyers. Referral-based practices, especially oral surgeons and periodontists, are frequent purchasers because imaging is central to their case mix. Orthodontic practices use large-field CBCT for full-arch planning. Endodontic practices use small-field, high-resolution units for periapical anatomy. Each specialty has a different use-case emphasis and a different system specification, but the financing structure is the same across all of them.
Startup implant centers and dental implant centers opening their first location frequently prioritize CBCT as foundational equipment because the imaging capability is part of the clinical identity of the practice. Oral surgery practices and endodontic practices that currently refer out CBCT studies are often the best candidates because in-house imaging directly replaces an outflow of revenue and time.
Getting Approved for a CBCT Purchase
CBCT purchases fall cleanly into our application-only range for most practices. Units up to $150,000 typically require only the one-page application and vendor quote. Larger multi-modality systems or multi-unit purchases may require three months of business bank statements. Tax returns are rarely required for established practices with clean credit.
Practices with B or C credit history have options through our bad-credit equipment financing program, which routes to dental-specialist lenders that weight clinical revenue and practice stability heavily. A practice doing strong chair production with a prior credit event is a very different profile from a general consumer credit file, and dental-specific underwriters understand that distinction.
New practices financing CBCT as foundational equipment will typically need to show strong personal credit and personal financial statements. Our startup practice financing team handles these scenarios and can advise on the specific documentation that puts your application in the best light.
Refinancing an Existing CBCT System
Practices that financed a CBCT several years ago at higher rates, or that paid cash for a unit and now want that capital back, have two primary options. An equipment refinance replaces your current loan with a new one at current market terms. A cash-out refinance goes further, borrowing above the current payoff and delivering the difference as working capital.
A sale-leaseback converts the full current value of a paid-off CBCT unit into a lump sum. For a unit that is three to five years old and has been maintained, the recoverable value is typically a meaningful fraction of original cost. Practices sometimes use this capital to fund a second CBCT location or to offset a major clinical technology purchase.
Finance Your CBCT System
Share your unit model and vendor quote and we will run it with our financing desk. You will get competing rate options so you can choose the term and payment that makes the most financial sense for your practice. No commitment required to get your numbers.
Questions
Does the room buildout cost for a CBCT suite qualify for financing?
Hard equipment is straightforward to finance. Tenant improvements are trickier because they are attached to leased space rather than being portable assets. A practice improvement loan or a bundled buildout facility is the typical path. We can discuss options when you share your full project scope.
Can I finance a CBCT unit that is two or three years old?
Yes. Used CBCT systems from reputable dealers with documented service histories are financeable. Lenders want to know the unit age, condition, and whether it has current software and support contracts. A unit that is two to three years old with a clean service record is generally straightforward.
The CBCT I want comes with a multi-year software subscription. Can I finance that too?
Software subscriptions that are part of the same vendor invoice can often be included in the hardware financing, though some lenders draw the line at pure subscription products. Ask us when you submit the vendor quote and we will clarify what that specific lender accepts.
We are an endodontic referral practice. Is CBCT financing different for us than for a general practice?
The financing mechanics are the same, but endodontic practices often look at smaller-field, higher-resolution units that have different price points than the larger general-purpose systems. The clinical use justification is typically very clear in an endo practice, which can actually help in the underwriting conversation.
How does the insurance billing angle affect the financing math?
Most dental CBCT scans are patient-pay or billed through specialty dental plans rather than medical insurance, though some practices successfully bill CBCT studies medically for specific diagnoses. The income modeling in your ROI analysis should reflect the reimbursement reality in your specific patient and payer mix.
Finance Your CBCT System
Share the unit model, vendor quote, and practice timeline. We will return clear term options and a payment estimate so you can choose the structure that fits.
Get Terms on CBCT & 3D Imaging Financing
Tell us what you are buying, who is selling it, and when you need it earning. We will review the file and point you to the next step.