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CEREC and CAD/CAM systems enable same-day crowns, inlays, and veneers—improving patient experience and practice revenue. Systems run $80,000–$150,000+; CEREC financing lets practices add digital capability without paying cash. This guide covers costs, financing options (loans vs leases), credit requirements, and why many practices choose to lease digital systems. See medical and dental equipment financing. Get matched with lenders who finance CEREC and CAD/CAM equipment.
Why Practices Invest in CEREC and CAD/CAM
Same-day restorations reduce patient visits, improve satisfaction, and capture revenue that might go to labs. Digital workflows also support implants, orthodontics, and diagnostic tools. One financed CEREC system can pay for itself through increased crown volume and efficiency. See equipment financing by type.
CEREC and CAD/CAM System Costs
CEREC and similar systems run roughly $80,000–$150,000+ including intraoral scanner, milling unit, oven, and software. Pricing varies by manufacturer (Dentsply Sirona, 3M, Planmeca, Ivoclar) and configuration. Training and support may be included. Get a written quote from your dealer. See dental equipment financing for new practices.
Financing Options: Loans vs Leases
Equipment loans spread the cost; you own at payoff. Leases often have lower payments and full deductibility; you can upgrade at term end. Digital technology evolves; many practices lease to preserve upgrade flexibility. See equipment loan vs lease. Use our calculator.
Credit and Down Payment Requirements
Most lenders look for 600+ FICO; 680+ qualifies for the best rates. Down payments: 0–15%. Established practices typically qualify readily. See credit score for equipment financing and down payment requirements.
Leasing CEREC: Why It's Popular
Leasing preserves capital and offers lower monthly payments. Technology refreshes (new scanners, software, materials) may make upgrading at term end attractive. Full payment deductibility can improve tax treatment. Many practices lease CEREC to maintain flexibility—digital dentistry evolves quickly. See benefits of equipment leasing.
Documentation and Approval Timeline
Gather: equipment quote (make, model, configuration), 3–6 months bank statements, tax returns, P&L, formation documents. For new practices: business plan and personal financials. Complete documentation speeds approval. Many lenders approve in 24–48 hours. See equipment financing requirements, equipment financing approval requirements, and approval timeline.
Rates and Monthly Payments
Rates typically run 6–14%. For a $100,000 CEREC system at 8% over 60 months with 10% down, expect roughly $1,700–$1,900/month. Use our calculator. See typical equipment financing rates.
Frequently Asked Questions
How much does a CEREC system cost?
CEREC and similar CAD/CAM systems run $80,000–$150,000+ including scanner, milling unit, and software. Pricing varies by manufacturer and configuration.
Can I finance a CEREC system?
Yes. Equipment lenders routinely finance CEREC and CAD/CAM dental systems. Credit 600+, typical approval in 24–48 hours.
Lease or buy CEREC equipment?
Leases offer lower payments and preserve capital; technology refreshes may favor leasing for upgrade flexibility. Many practices lease digital systems.
What credit score do I need for CEREC financing?
Most lenders look for 600+ FICO. Scores of 680+ qualify for the best rates. Equipment is collateral.
How fast can I get approved for CEREC financing?
Many lenders approve within 24–48 hours when documentation is complete. Dealer-supported financing may be even faster.