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Dental CAD/CAM Finance

Spread the cost of dental CAD/CAM milling and design equipment from £15,000 to £70,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a dental cad/cam?

Yes, dental cad/cams are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £15,000 to £70,000, and most deals are written over 12–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£15k – £70k

Approval Speed

24–48 hours

Larger packages may take longer

Rates From

4.5% APR

What would a dental cad/cam cost per month?

£35,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical dental cad/cam price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Practices wanting to own the mill outright

Finance Lease

Rate
From 4.5% APR
Term
12–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Practices upgrading milling capability regularly

Representative example

On a purchase price of £35,000: a 10% deposit of £3,500, then 48 monthly payments of £738 at 5.9% APR representative (fixed). Total amount payable £38,924, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Dentsply Sirona CEREC Primemill £25,000 – £45,000 Chairside Milling Unit
Compact in-lab milling system £15,000 – £30,000 Milling Unit
Combined scanner, design software and mill package £40,000 – £70,000 Full CAD/CAM Workflow

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Tax benefits

Equipment used wholly for the business qualifies for the Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 AIA limit. Hire purchase lets you claim capital allowances as you own the asset from day one. Finance lease and operating lease rentals are treated as a revenue expense and are usually fully deductible against profits, which is why many practices prefer leasing for equipment that needs replacing on a fixed cycle.

Market context

CAD/CAM milling systems are bought by practices moving to same-day restorations, cutting out the lab stage for crowns, veneers and inlays. Buyers are typically established practices with a high enough restorative caseload to justify the equipment, since the case is built on chairside time saved rather than lab fees avoided. Many practices finance the scanner, design software licence and mill as one bundled agreement rather than as separate purchases, and lease terms are common given how often milling materials and software versions change.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Do I need an intraoral scanner as well as the mill?
Yes, a chairside CAD/CAM workflow needs a scanner to capture the digital impression, design software, and the mill itself. Most lenders will finance the full workflow as one agreement rather than requiring separate applications for each component. Lenders will want to see the practice's recent trading history and a supplier quote for the specific equipment before confirming terms, which is standard for this kind of asset finance regardless of the equipment category.
Is same-day CAD/CAM worth financing for a smaller practice?
It depends on restorative caseload. The finance repayment needs to be weighed against lab fees saved and the chairside time freed up. Lenders will typically ask about your restorative case volume as part of assessing the application, since the return on the equipment depends on utilisation. Lenders will want to see the practice's recent trading history and a supplier quote for the specific equipment before confirming terms, which is standard for this kind of asset finance regardless of the equipment category.
Can I finance a milling material and block subscription?
Finance agreements generally cover the hardware and initial software licence, not ongoing consumables like milling blocks. Those are usually billed separately by your dental supplier and should be budgeted for alongside the monthly repayment. Lenders will want to see the practice's recent trading history and a supplier quote for the specific equipment before confirming terms, which is standard for this kind of asset finance regardless of the equipment category.
What deposit is typical?
Hire purchase usually asks for 10–20% deposit; finance and operating leases often require none. Given the higher price point of a full CAD/CAM setup, some lenders may prefer a deposit even on a lease for larger packages. Putting down more than the minimum deposit lowers the monthly repayment and can support a better headline rate, which is worth weighing against keeping cash in the business for working capital instead.
How long does approval take?
Most applications are approved within 24–48 hours. Larger full-workflow packages above roughly £50,000 may take a little longer while the lender reviews trading history and existing finance commitments. Having a recent set of accounts, a supplier quote and the full equipment specification ready at the point of application tends to speed the decision up, since most of the time in any application goes on the lender confirming trading history and affordability.

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