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

https://www.nav-bookmarks.win/when-freelance-invoices-stall-a-rolex-backed-loan-can-help-cover-rent-or-gear

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.