Have you got hundreds of Facebook friends and thousands of twitter followers?

If you have, you may find it easier to raise cash to start a new business such as window cleaning.

New “social network” financial instituition BankToTheFuture.com is the first to assess applicants on their social media  “capital” score instead of a traditional credit score.

The business, which lets small investors lend direct to creditworthy borrowers, has been praised by Sir Richard Branson. It checks new members against reviews and activity on Facebook, Twitter, LinkedIn and Google+