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

https://sierra-wiki.win/index.php/When_Should_a_Freelancer_Borrow_Instead_of_Sell_a_Rolex%3F

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.