This study proposes a new paradigm for reducing polarization between big and small businesses through the impact investments for creating employment to the policy lending programs. Although a crucial issue for SMEs is access to finance and this leads to the serious polarization between large and small-size companies, the effort to adjust the balance using financial support to SMEs has been insufficient. As the first step to the implementation, we need to increase the investment earning rate by adopting the SBIC(Small Business Investment Company) program of U.S. SBA as benchmark. And next, the financing problem of SMEs should be improved by constructing a quota system for employment creation rights and its public trading system. This environment is expected to help enhance their competitiveness fundamentally and also decrease the dependency on the policy loans.