Freelancers facing a slow-pay month can use a Rolex as collateral to cover...

https://wiki-square.win/index.php/Rolex_Loan_vs._Credit_Card_Debt_for_Freelancers:_A_Practical_Playbook

Freelancers facing a slow-pay month can use a Rolex as collateral to cover rent, gear or payroll without selling it. A 30% structure sets the advance against the watch’s value, offering a bridge until client invoices land.