you dont need recruiting points to go for transfers.
you do need free scholarships to offer them, and i think in principle you could cut someone to get an extra free scholarship (but that is risky since you would be awarded leftover scraps from the recruiting pool if you didnt get the transfer)
You can offer at any point from the season flip and up until the commit on the signing day sim (so you can also offer at the signing day stage, right before the sim).