There is no single number to aim for. Each credit reference agency scores on its own scale, and those scales are revised from time to time, so a figure quoted today can mislead tomorrow. What matters is what sits behind the score, and lenders look at that directly.
Experian builds a business score by comparing your filed accounts, payment behaviour, sector, age and public record data against similar businesses, then expressing the result as a single figure. A higher score signals lower assessed risk. Equifax and TransUnion do something broadly comparable, but on scales of their own, which is why the same business can look different at each agency. If you want to know where you currently stand, and what the bands mean at the time you ask, go to the agency itself.
The score is a summary, not a decision. Underwriters look at the drivers: whether suppliers and finance agreements are paid to terms, whether accounts and confirmation statements are filed on time, how long the business has traded, how much existing credit is in use, and whether there are defaults or county court judgments on record.
That works both ways, and it is worth being realistic about it. A strong score does not entitle you to finance, because affordability, the asset and the wider picture still have to make sense. A weaker score does not automatically rule you out, because some funders price for risk or take security instead — though where they do, the cost is usually higher. Every decision rests with the lender.
CWAF is a credit broker, not a credit reference agency. We cannot see, change or influence what an agency holds about you. If your file matters to an upcoming application, check it yourself at the agency first.