A new survey shows three out of four businesses are funded from personal savings.

Small-business owners get their start with an average of just $10,000 in initial capital, according to the latest Wells Fargo/Gallup Small Business Index.

Close to three-quarter of businesses (73%) were primarily funded by the owner's personal savings, while 37% were funded in part by loans and lines of credit.

"The survey results provide us with real insight into what it takes to start and run a small business, and what many small-business owners wish they had at the onset -- more capital and more financial management education," Rebecca Macieira-Kaufmann, executive vice president and head of the Wells Fargo's small-business unit, said in a statement.

Read more at Inc.com.