UGA Finance is a full-service consumer finance company with nearly 50 years of experience delivering point-of-sale lending solutions to merchants, borrowers, and institutional partners. Founded in Carlsbad, California in 1974, our legacy is built on industry innovation, regulatory resilience, and long-term relationships. Today, from our headquarters in Parkville, Missouri, we operate a national platform with 179 active licenses with 3 strategic Bank partners and a footprint that spans loan origination, servicing, and recovery.
At UGA Finance, we take immense pride in being a Kansas City-based company. Our Midwestern roots help define who we are, shaping the way we do business and the values we uphold. Whether you’re a local business or one of our clients across the country, when you work with UGA Finance, you’re working with a company that believes in honesty, trust, and putting people first.
Our strength lies in our depth of experience and our ability to adapt. Across decades of regulatory change and market shifts, we’ve maintained a disciplined focus on compliance, customer care, and sustainable growth. We own and operate integrated servicing and recovery systems—developed in-house to ensure full-cycle control, data transparency, and operational efficiency.
UGA Finance is more than a lender—we are a strategic partner. We support retail sales through customized financing programs, offer white-label servicing for institutional portfolios, and provide compliant recovery solutions that protect brand equity. Our leadership team brings decades of industry expertise and a forward-thinking approach to every partnership.
We don’t chase trends—we build platforms that last. That’s what our history proves. And it’s what our future demands.
Edward John Vasques
Kellie D. Harper
Eric Lueders
JasonEnneking
Hannah Montgomery Edward is a seasoned financial services executive with more than 20 years of experience driving innovation, growth, and operational excellence across consumer finance, risk management, and regulatory compliance. As CEO and Managing Partner of UGA Finance and its affiliated companies, he leads with a strategic vision rooted in deep industry knowledge and a commitment to expanding access to credit through modern, tech-enabled platforms.
Edward’s leadership is shaped by a legacy of embedded and point-of-sale lending that traces back to the 1970s. Over the past 17 years at UGA, he has been instrumental in evolving that legacy into a scalable, national lending infrastructure—transforming the business into a forward-thinking enterprise powered by proprietary servicing systems and advanced credit decisioning technology.
Under his direction, UGA has originated more than $2.4 billion in consumer credit, launched multiple new business entities, and established a reputation for regulatory rigor and operational discipline. Edward is known for building systems that are not only compliant and secure, but seamlessly integrated into the customer experience—bridging the gap between finance and everyday access.
Before joining UGA, Edward held leadership positions at Collect America Commercial Services Inc., where he served as Director of Operations, and at NCO Financial Systems, where he was General Collection Manager. He holds a Bachelor of Arts from Anderson University.
Kellie is an accomplished executive with over three decades of leadership in banking, consumer lending, and strategic growth. As President of UAS, a leading point-of-sale finance and loan servicing company, she drives the company’s strategic direction and operational excellence.
With a career that includes leadership roles at prestigious institutions like The Associates, Merrick Bank, WebBank, and Pathward Bank, she has played a key role in expanding consumer lending operations and originating billions in loans. Known for her innovative mindset, she holds two patents in the payments industry and has built scalable, risk-managed systems that enhance customer access to financial products. Her expertise makes her a recognized leader in the financial services sector.
She holds a degree in Business Administration from Utah Technical University and remains actively engaged in the Professional Women’s Network. Outside of work, Kellie enjoys cooking, gardening, beekeeping, hiking, and bike riding.
As Chief Financial Officer of UGA Finance, Eric leads the company’s financial strategies, ensuring profitability, scalability, and long-term value creation. With 19 years of experience in finance and accounting, he specializes in financial modeling, capital management, and risk mitigation, that supports data-driven decision-making across the organization. His expertise in financial technology and automation has been instrumental in enhancing reporting, forecasting, and operational efficiency.
Eric’s leadership extends beyond traditional financial management—he plays a key role in driving innovation and operational agility. By implementing advanced analytics and optimizing financial processes, he ensures the company remains adaptable in a dynamic market. Prior to his role as CFO, he served as Vice President of Finance and Corporate Controller at UGA Finance, as well as holding key financial leadership positions at Cobalt Iron and AT&T. His experience spans corporate financial planning, strategic advisory, and financial process transformation.
Eric earned both his Bachelor of Science in Business Administration, with dual emphases in Economics and Finance, and his Master of Business Administration, with an emphasis in Finance, from the University of Missouri. An active member of the finance community, he serves on the Advisory Board for the CFO Leadership Council and is a Legacy Circle Member of the Global Orphan Project. Outside of work, Eric enjoys coaching youth soccer, supporting Boy Scouts, being a dedicated dance dad, and training for ultramarathons and triathlons.
As Chief Technology Officer at UGA Finance, Jason leads the company’s technology strategy, innovation, and infrastructure to align with business goals. With over 25 years of experience in fintech, telecommunications, and enterprise software, he oversees application development, security, and IT operations to drive efficiency and scalability. His expertise in cloud solutions, cybersecurity, and compliance ensures the company remains at the forefront of financial technology while maintaining operational excellence.
Throughout his career, Jason has delivered transformative technology solutions that enhance business performance. He built a fintech platform that reduced credit decisioning time from days to under 10 seconds and led enterprise cloud migrations that achieved 99.99% uptime while optimizing costs and compliance. His work designing a loan origination and servicing platform positioned UGA Finance as a competitor to major fintech firms. Additionally, he has implemented pricing tools that reduced quote times from 10 days to 10 minutes, improving client responsiveness and business agility.
Jason has held multiple leadership roles at UGA Finance, including VP of Product & Technology, Director of IT, and IT Manager. Before joining UGA Finance, he led sales systems teams at Sprint/Embarq/CenturyLink and served as VP of Sales & Business Development at ProCore. He holds an MBA from Baker University and a Bachelor’s in Telecommunications Management from DeVry University, along with certifications in cybersecurity (CompTIA Security+) and compliance frameworks (PCI-DSS, ISO 27001, SOC 2). Committed to community engagement, Jason mentors students through High School Northland CAPS and Professional Studies programs. Outside of work, he enjoys spending time with his wife and three children, coaching and cheering on their soccer and volleyball games.
Hannah Montgomery is a dynamic leader in business development and client success, known for her proactive approach to client engagement and operational excellence. As Director of Business Development and Client Success, she is responsible for driving revenue growth, expanding strategic partnerships, and ensuring exceptional client experiences. Her role focuses on identifying and pursuing new business opportunities, developing and executing sales strategies, and fostering long-term client relationships.
Although new to the industry, Hannah has made an immediate impact—boosting client retention and satisfaction through strategic engagement and process improvements. She has led initiatives to streamline onboarding and workforce management, significantly reducing placement ramp-up time and enhancing consultant performance. Hannah manages a large portfolio of over 30 accounts and 200+ consultants, overseeing everything from onboarding and timesheet management to contract renewals and client reporting.
Prior to her current role, Hannah held multiple leadership positions at ECCO Select, where she quickly rose through the ranks with four promotions in five years. As a Client Success Manager III, she led a major overseas federal deployment, coordinating the training of military bases and hospitals on Cerner software. Her attention to detail and operational leadership were instrumental in handling complex logistics, including licensing, scheduling, and compliance requirements across international sites.
Hannah earned her B.S. in Public Relations from Missouri Western State University after studying at Northwest Missouri State University. Outside of work, she enjoys traveling and spending quality time with her husband and three children.
These values aren’t simply corporate clichés – they’re the foundation of how we operate at UGA Finance. We believe in doing business the right way, putting our merchants and their customers first.
Upholding the highest ethical standards across the organization – doing what is right, even when no one is watching.
Open and honest communication with shareholders, employees, clients, partners, and customers.
Focusing on outcomes and delivering value to stakeholders.
Universal Account Servicing, LLC (UAS) is the third-party billing service provider for the UGA Finance Program. We utilize our uPortal360 application to generate and service contracts on behalf of Retail Sellers. Our contact center and support team can make calls and provide other communication touchpoints related to the servicing of a Retail Seller’s contracts. uPortal360 provides online account management that allows consumers to see monthly statements, make payments, and manage communications. When you accept a contract provided by a Retail Seller you are given access to uPortal360. Also, uPortal360 will be used to send communications about your Account. The UGA Finance Program is a program name for certain consumer credit contracts extended by participating lenders and/or retail sellers for the purchase of goods and/or services. Participating lenders and retail sellers provide credit without regard to age, race, color, religion, national origin, gender or familial status. The UGA Finance Program and uPortal360 are administered by Universal Account Servicing, LLC that generates and services contracts on behalf of participating lenders and retail sellers. NMLS #1060516