Selling a Rolex can put cash in hand quickly, while borrowing against it may...

https://www.alphabookmarks.win/selling-borrowing-against-or-consigning-a-rolex-can-each-make-sense

Selling a Rolex can put cash in hand quickly, while borrowing against it may let you keep the watch and consigning can give it time to find the right buyer. The trade-offs come down to timing, fees, and how much control you want