While women-owned businesses are growing faster than ever, many owners say taking on employees is a major source of stress, a recent survey finds.

Most women-owned businesses operate without employees in the early stages, according to Make Mine a Million $, a national coalition of women's business groups. The findings are based on a survey of more than 1,000 women entrepreneurs nationwide conducted in April.

About 65 percent of respondents said they began hiring employees about three years after launching their business. It's then that they feel the greatest level of stress, the survey found.

In order to cope with that growth, many women business owners said they keep a closer eye on financials. Less than 10 percent said they delegated their finances to staff or third-party services.