Freelancers can use a Rolex as collateral to cover the gap between invoices...

https://mill-wiki.win/index.php/Loan_to_Value_for_Rolex_Watches:_What_Is_Normal%3F

Freelancers can use a Rolex as collateral to cover the gap between invoices without selling a watch they value. A lender assesses the model, condition and market price, then sets a loan amount