When payroll lands before a customer payment, or a deposit or inventory order...

https://wiki-saloon.win/index.php/How_Do_Lenders_Decide_Loan_Size_Based_on_a_Rolex%3F

When payroll lands before a customer payment, or a deposit or inventory order can’t wait on bank or SBA processing, a short-term loan backed by a Rolex may help bridge the gap