When a client pays late, a freelance designer can use a Rolex as collateral to...

https://future-wiki.win/index.php/How_to_Match_a_Rolex_Loan_to_a_Specific_Gap_Like_3_Months

When a client pays late, a freelance designer can use a Rolex as collateral to cover rent or production costs without selling it. A lender may offer a 30% structure, with the watch securing the loan while the next check catches up.