Freelancers can use a Rolex to cover the gap between an invoice and rent...

https://www.echobookmarks.win/when-a-client-pays-late-a-freelancer-can-use-a-rolex-as-collateral-to-cover

Freelancers can use a Rolex to cover the gap between an invoice and rent without selling the watch. A lender may value a $33,000 Rolex and offer a $10,000 loan, with the watch held as collateral until repayment