When invoices lag, freelancers can use a Rolex as collateral for short-term...

https://golf-wiki.win/index.php/Selling_a_Rolex_in_a_Hurry:_How_to_Avoid_a_Bad_Price

When invoices lag, freelancers can use a Rolex as collateral for short-term cash without selling the watch. A lender evaluates its value and sets a loan at 30%, helping cover rent, gear or payroll until the next check clears.