When client payments lag, a Rolex can help cover rent or gear without selling...

https://wiki-club.win/index.php/Rolex_Loan_vs._Pawning_a_Watch:_What_Is_the_Difference%3F

When client payments lag, a Rolex can help cover rent or gear without selling it. A lender evaluates the watch and explains a 30% loan structure. You get the watch back after repayment, but weigh the cost: this is a short-term bridge, not extra income.