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

https://mylesssmartop-eds.cloudhinter.com/posts/how-do-rolex-prices-get-tracked-publicly-on-the-secondary-market

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.