When client checks arrive late, a Rolex can help cover the gap without selling...

https://www.first-bookmarkings.win/when-a-client-pays-late-using-a-rolex-as-collateral-can-help-cover-bills

When client checks arrive late, a Rolex can help cover the gap without selling it. A lender evaluates the watch and may advance up to 30% of its value, giving freelancers short-term cash while they wait for the next invoice to clear.