When client payments lag, freelancers can use a Rolex as collateral to cover...
https://smart-wiki.win/index.php/Rolex_Loan_for_Cinematographers_During_a_Production_Slowdown:_A_Practical_Playbook
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.