When client payments lag, freelancers can use a Rolex as collateral to cover...

https://wiki-tonic.win/index.php/Rolex_Loans_for_Writers_Between_Rooms_and_Gigs:_A_Practical_Playbook

When client payments lag, freelancers can use a Rolex as collateral to cover rent, payroll or a slow month. A lender may advance 30% of its assessed value, creating a short-term bridge without requiring a sale.