Indian Country Financial Consultants

Counsel for sovereign lendingand the operators behind it.

Pangburn Consulting Group advises Tribal Nations and online lending platforms on capital, compliance, and operations across the full consumer credit value chain.

Our practice Engage the firm

TLE

Tribal Lending Entities

LMS

Loan Management Systems

NACHA · UDAAP · CFPB

Regulatory framework

The firm

A measured advisory practice for a complex industry.

We operate at the intersection of consumer finance, payments, and tribal sovereignty. Our engagements are scoped to produce durable operating capacity inside our clients' organizations — not perpetual dependence on outside counsel.

Engagements typically begin with a focused diagnostic and progress to implementation: capital structuring, compliance posture, vendor governance, model review, or a combination. Each is bounded, each is measured, and each is documented for audit and examination.

Tribal Nations · Sovereign lending · Operator advisory

Practice areas

Eight pillars across the consumer credit value chain.

Full breakdown

Capital Solutions & Portfolio Management

Debt and equity structuring for sovereign lending portfolios, with active monitoring of yield, vintage, and concentration risk.

Customer Acquisition & Retention

Channel economics, lead provider diligence, and lifecycle modeling calibrated to TLE underwriting bands.

Risk & Underwriting (ML/AI-Driven)

Model governance, alternative-data scorecards, and adverse action workflows aligned to fair lending review.

Payment Processing

NACHA operating rule conformance, return-rate remediation, and UDAAP-aware disclosure design across ACH and card rails.

Call Center & BPO

Vendor selection, scripting review, QA frameworks, and onshore/nearshore staffing models for sovereign operators.

Originations & Loan Management Systems

LMS evaluation, configuration, and migration — including state-of-record practices for tribal choice-of-law operations.

Collections Strategy

Segmentation, treatment design, and recovery economics consistent with CFPB Regulation F and tribal policy.

Banking Relationships

Sponsor bank introductions, BSA/AML program review, and ongoing relationship governance for sovereign lending entities.

Leadership

A small team with deep operating histories.

Our principals have led capital, operations, and finance for consumer lending platforms and sovereign economic development entities.

$0M+

Raised for sovereign lending

Years combined experience

Brent McFarland
Chief Executive Officer
Three decades structuring capital and operations for consumer finance platforms, with a focus on sovereign lending economics and governance.
Ryan Stock
Chief Operating Officer
Operator-side leadership across originations, servicing, and vendor management for high-volume online lending portfolios.
Mindi Vavra
Chief Financial Officer
Treasury, FP&A, and reporting discipline for lending platforms and tribal economic development entities.
Alexander Stock
Analyst
Portfolio analytics, vintage performance, and underwriting model diagnostics in support of operator and sovereign clients.

Read the firm narrative

Insights

Notes from the practice.

All insights

Apr 8, 2025Tribal Lending

How Tribal Lending Revenue Is Rebuilding Community Infrastructure

From water systems to health clinics, online lending revenue is quietly funding the public goods that federal appropriations have underfunded for generations.

Read

Mar 25, 2025Tribal Lending