Dealer hold backs, wholesale finance and interest to include curtailments there is certainly a lot to it..
In wholesale or inventory finance a dealer can finance 1st years finance charges on order inventory and has a year to try to move the product before payment on principal is due (usually 10% each month till the unit is paid off should the dealer not sell the inventory) and of course out of pocket or bottom line profit to interest.
I tell you this as you look at a bike try to find out what is aged inventory IE 08 model still on the floor for 09 cause a dealer will more apt to work with you on that bike than say an 09 with 2 mos on the floor.
This is how I buy all my vehicles so I can get a mini deal on the sale, regardless of what they say if you pick out the right vehicle you can negotiate "below dealer cost" cause if the dealer is worth a damn and moves inventory they make the majority of their profit on back end monies.
Factories bonus the dealers on volume sales annually IE back end money and the figures are astronomical..
That being said you have bargaining power on units coming due for curtailments or principal payments.
The only place I could find on the net where you could get dealer cost on HD anything charges $20 a report for the bike you are interested in.
Normally I wouldn't waste the $$ but in today's eco climate coupled with HD's crappy position 72% (?) income from financed receivables they can't sell (securitize) having your own finance source and looking for aged inventory you might just save a few grand..
Or at least get some free goodies!
Good luck and let us know how it turns out