Obligations exceeding €100,000 are subject to active interest from large conservative players in the factoring market — primarily banks — which, in addition to this threshold, impose requirements on the assignor's turnover and additional conditions regarding settlement account services.

Factoring of obligations below €100,000 is a product being explored by smaller factoring companies and even a new type of financial structure — crowd-factoring companies. However, due to unbalanced financial models and insufficient own liquidity, not all of these projects have proven successful.

The implementation of various transparency systems and electronic document validation has made it possible to reliably and quickly verify the fact of invoice issuance by the supplier and acceptance by the debtor. However, the standard debtor solvency risk remains a full-fledged risk management challenge and cannot be resolved through superficial scoring.

However, debtors such as the state or municipality in Europe are protected from insolvency, and the only reason suppliers suffer is bureaucratic delays and budget cash gaps. Yet when facing delayed payments from government and municipal clients, suppliers often do not qualify under the conditions of large players, are not willing to enter into conflict with a familiar local authority by pursuing debt through arbitration, and are forced to simply wait or resort to business lending.

Thus, in the European financial services market there is a specific niche — factoring of obligations under government and municipal tenders with a contract value below €100,000 — which allows for the formation of a mass-market competitive product with an acceptable risk/return ratio.