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

https://andersonsimpressivecolumn.urbanvellum.com/posts/what-is-the-easiest-way-to-get-a-rolex-valued-in-under-an-hour

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.