CEREC Financing That Pays for Itself Two Crowns at a Time

App-Only Financing to $150,000

A full Primescan and Primemill suite usually funds on a one-page application, no tax returns and no financials. You keep your books private and get a decision in 24 to 48 hours.

500+ Lenders, Not One Bank

Your file goes out to hundreds of equipment lenders at once. The desks that understand CAD/CAM economics compete on rate and term, so you are not stuck with Dentsply's in-house offer.

Structured Around Two Crowns a Day

We size the term, 36 to 72 months, so the payment sits under the lab savings and same-day production the system generates. The machine funds itself while you own it.

Section 179 Expensing Built In

Our $1-buyout and equipment finance agreements make you the owner for tax purposes, so the full CEREC price can be expensed under Section 179 the year it is placed in service.

A traditional crown is two appointments, an impression sent to a lab, a temporary that has to hold for two weeks, and a lab invoice of roughly $150 to $250 per unit. The CEREC Primescan and Primemill collapse all of that into one visit. You scan, the software designs, the Primemill cuts a lithium disilicate or zirconia block, you glaze and seat the same afternoon. The patient walks out finished. For the practice, that means no lab bill, no remake risk from a bad impression, and a schedule that is not clogged with seat appointments. Prosthodontists use the same workflow for larger cases and implant restorations. The reason so many GPs finance rather than pay cash is simple: the system starts saving lab fees and generating same-day production immediately, but the $128,000 sticker would otherwise sit as dead cash for years. Financing lets the CEREC earn while you pay for it over the same period you actually use it. You are not buying a machine so much as converting a recurring lab expense into equipment you own, and the tax code rewards ownership.

• $128,000 CEREC Primescan and Primemill suite, Denver, CO. General dentist, 8 years in practice, 731 credit. App-only, $0 down, 5.74% APR over 60 months. Two crowns a day retired the note in roughly 20 months.
• $146,000 full CEREC suite with oven and training, Charlotte, NC. Prosthodontist, 14 years in practice, 768 credit. 5.49% APR over 48 months with 10% down, the strongest pricing in this set.
• $104,000 Primescan plus Primemill, Columbus, OH. GP, 4 years in practice, 694 credit. App-only, 6.34% APR over 66 months, $0 down.
• $118,000 CEREC same-day system, Sacramento, CA. Practice open 18 months, 651 credit (challenged credit tier). Funded at 6.79% APR over 60 months with 10% down after the manufacturer's in-house finance arm declined.

The last deal is the one worth reading twice. Dentsply's own financing said no; because we run the file across 500+ lenders, we found a desk that funds newer practices and got it done. Same equipment, different lender, real approval.

Here is the math a GP can run on a napkin. Say you seat two crown units a day, 20 days a month. At a saved lab fee of $200 per unit, that is $8,000 a month you are no longer sending to a lab, before you count the extra same-day cases you now accept because there is no second appointment to schedule. Against a payment near $2,500 a month on a 60-month term, the CEREC is strongly cash-flow positive from the first full month of production. That is why our borrowers so often pay ahead of schedule.

Now layer in the tax treatment. Section 179 lets a practice expense the entire purchase price of qualifying equipment in the year it is placed in service, and the annual cap has topped $1,000,000 in recent tax years. On a $128,000 CEREC suite, that can shelter a meaningful chunk of practice income, and bonus depreciation applies to anything above the Section 179 cap. Because our agreements are structured as a $1 buyout or an equipment finance agreement, you own the system for tax purposes and it qualifies. Talk to your CPA about the current-year limit, but for a profitable office the after-tax cost of the machine is well below the sticker.

Getting started is quick. For a CEREC request under $150,000, most lenders want a one-page application, your dental license, and the Dentsply Sirona or dealer quote. No tax returns on app-only programs. Larger suites or challenged-credit files may add two years of returns or three months of bank statements, and we flag that before you send a thing.

Terms run 36 to 72 months, with most CEREC buyers choosing 48 or 60. Rates start from 5.49% APR for established practices with strong credit and rise from there based on time in business, score, and down payment. We do not quote rates we cannot place, and nothing is guaranteed until a lender issues terms. Down payments range from $0 on app-only deals to 10% on startups and larger tickets.

After you sign, we pay Dentsply or your dealer directly, usually the same day, so installation and training stay on schedule. If you are deciding between a standalone Primescan now and adding the Primemill later, or between 48 and 60 months, call us. We will build the payment around your crown volume and your tax year, not around one lender's template.

How much does a full CEREC system cost to finance?

A standalone Primescan runs around $100,000; a complete Primescan and Primemill same-day suite runs about $128,000 to $150,000. Financed over 60 months, a $128,000 suite lands near $2,450 to $2,650 a month for a qualified practice, before the Section 179 tax benefit or the lab savings.

Can I really get a CEREC deal app-only?

Yes. Most CEREC requests under $150,000 approve on a single one-page application with no tax returns. That is exactly how the Denver GP in our examples funded a full suite. Above $150,000 or on challenged credit, a lender may ask for returns or bank statements.

How fast does the CEREC pay for itself?

It depends on volume, but the math is straightforward. Milling two crowns a day at a saved lab fee of roughly $150 to $250 per unit, plus the same-day fee you capture, often covers the payment and then some. Several of our GPs retire the note well ahead of term.

What if my credit is not perfect?

We place all credit profiles. Established practices in the 700s see rates from 5.49% APR. Mid-600s and below still fund; the lender adjusts the rate or asks for a modest down payment rather than declining you outright.

Does financing cover the milling materials and training too?

Often, yes. Many lenders will roll the Primemill, the oven or glaze station, installation, and initial CEREC training into one financed amount so you have a single monthly payment instead of piecing it together.