Freelancers can use a Rolex as collateral to cover the stretch between client...

https://source-wiki.win/index.php/How_Does_a_Rolex_Loan_Help_When_Checks_Are_Delayed_Next_Month%3F

Freelancers can use a Rolex as collateral to cover the stretch between client payments without selling the watch. A lender may offer about 30% of its value, giving them short-term cash to handle bills while the next invoice clears.