"Firms now rely on capital markets to fund inventories and offer dealer-based financing, " he continues.

FORBES: Currencies

These include direct-to-consumer cash rebates, discounted financing promotions and so-called marketing-support incentives, which we call additional dealer discounts.

FORBES: Best New-Car Deals For January

These are the best deals by virtue of direct-to-consumer cash rebates, discounted financing promotions and so-called marketing-support incentives, which we call additional dealer discounts.

FORBES: Top 10 New Car Deals for July