Freelancers can use a Rolex as collateral to cover rent, gear or payroll when...

https://cristiansinspiringjournals.rivetgarden.com/posts/rolex-loan-to-build-an-emergency-fund-does-that-make-sense

Freelancers can use a Rolex as collateral to cover rent, gear or payroll when invoices lag. A lender can evaluate the watch in under an hour and offer a short-term loan, giving you breathing room between gigs without selling an asset you may want to keep.