A slow client month can leave a freelancer short before the next invoice...

https://source-wiki.win/index.php/I_Have_Multiple_1099s%E2%80%94Why_Do_Banks_Deny_Me_Credit%3F

A slow client month can leave a freelancer short before the next invoice clears. Using a Rolex as collateral may bridge the gap: a lender can advance up to 30% of its value, helping cover essentials without selling a watch you plan to keep.