CEREC CAD/CAM Financing

Same-day crowns fill a schedule slot that a two-appointment lab case occupies twice. The patient comes in for prep and leaves with a permanent restoration the same visit, and you collect on the crown without a second appointment that the patient may or may not keep. The CEREC workflow has been in clinical use long enough that the production math is well documented, and practices that have adopted it tend to keep it: the per-case economics hold up across both high-volume restorative practices and lower-volume offices where patient convenience is the driving factor.

A complete CEREC setup includes the intraoral scanner, the design software running on a dedicated workstation, and the chairside milling unit. Dentsply Sirona's current generation combines the Primescan scanner with Primescan software and the Primemill or CEREC MC XL milling units. Entry configurations start around $70,000 for a scanner-only setup using an external milling center, while a full in-office chairside system with scanner, design station, and mill typically runs $120,000 to $180,000 or more depending on configuration and included software. We finance the complete workflow under one transaction so you have one payment covering the system that generates the production.

The CEREC System in Practice

The CEREC workflow starts with a digital scan of the prepared tooth using the Primescan or the older Omnicam scanner. The scan feeds into CEREC software where the clinician or a trained assistant designs the restoration using AI-assisted margin detection and occlusal proposals. The design file is sent to the mill, which carves the restoration from a ceramic or composite block in roughly 15 to 25 minutes depending on the restoration type and block material. After minor adjustments and glazing, the restoration seats in the same appointment.

Block material choice affects both clinical outcomes and operating costs. Lithium disilicate blocks from Ivoclar and CAD/CAM feldspathic ceramics from Vita and others are the most common clinical materials. Zirconia blocks for monolithic posterior restorations require a higher-temperature sintering step, so practices that want full zirconia output typically add a sintering furnace to the equipment list. We finance the furnace alongside the milling unit when the practice wants the full material range from day one.

Dentsply Sirona's financing options run through authorized dealers with manufacturer-backed programs, and independent financing through us often produces different terms worth comparing. We are not a dealer program; we source from multiple lenders and represent the practice's interests rather than the manufacturer's. For a $150,000 CEREC investment, a half-point difference in rate over 60 months is real money, and the comparison takes ten minutes to run.

Practices already in the Dentsply Sirona ecosystem that want to see what an independent lender offers can check our Primemill financing or CEREC MC XL financing pages for model-specific information.

Refinancing an Existing CEREC System

CEREC systems that were purchased outright or have been significantly paid down represent meaningful equipment equity. A sale-leaseback transaction converts that equity to cash without requiring the practice to give up the system. The lender buys the installed equipment at current appraised value, leases it back to you at a fixed monthly payment, and the cash proceeds are available for any practice purpose: expanding to a second location, adding a hygienist, or funding the next operatory build-out.

Equipment refinancing on an older CEREC system that still carries a loan balance can also free up cash flow by extending the term or adjusting the payment structure. If the original financing was done on a short term with high monthly payments and practice circumstances have changed, a restructuring conversation is worth having. We have financed enough CEREC systems to know what current-market terms look like and can tell you quickly whether refinancing makes mathematical sense.

How CEREC Financing Closes

CEREC system transactions priced roughly $120k–$180k are large enough to warrant a financial review beyond the application-only threshold for some lenders, but not all. For practices with solid credit profiles and strong bank statement history, some lenders will approve the full CEREC package application-only even at that ticket. Others will ask for three months of bank statements. We know which lenders will stretch and which will not, so we submit to the right place first rather than burning credit pulls on mismatched applications.

Term options run from 48 to 84 months. At 84 months on a $160,000 system, the payment drops to a level that a moderate restorative volume can cover with five or six same-day crown cases per month. The trade-off is a higher total cost over the loan life. Shorter terms mean more to the principal each month but less total interest. We run the side-by-side comparison so you can choose based on your cash-flow preference rather than guessing.

Practices that want to take the full Section 179 deduction in the year the CEREC system is placed in service should use a loan structure rather than a lease. The deduction applies to the full equipment cost in that tax year, subject to the current annual limit. Review Section 179 financing to understand how that interacts with the loan structure.

Teams evaluating this usually look at Working Capital vs. Equipment Financing, and FMV vs. $1 Buyout Lease.

Get CEREC Financing Quotes

Tell us the system configuration you are quoting and the all-in cost from your dealer. We will source independent financing options and put the comparison in your hands, usually the same day.