Here is a guide for Americas Campaign -- Apaches. My settings were Hard/Hard. It appears that the AI factions get lots of extra money, which means that you end up facing multiple stacks per city.

The Apaches play differently from any faction in Europe. Here are the key differences.

1. Upkeep for units is almost nothing, so you can maintain almost a full stack per city(and you will need it).

2. Initially you can build only two types of unit outside your capital. You get access to the buildings meeting these goals:
Construct 20 missile units, capture 5 settlements - get Hunter's Wigwam for Dog Soldiers
Construct 50 missile units, capture 10 settlements - get Hunter's Longhouse for Koitsenko's

Construct 20 infantry units, win 5 battles- get Raider's Wigwam for Apachean Scouts
Construct 50 infantry units, win 10 battles- get Raider's Longhouse for Onde's Men

You will have these wigwams and a few of the advanced units in your starting settlement. They are all terrible on defense.

To get access to gunpowder and horses, you need to win a few battles against armies that have these technologies. The files make it look as if 10 wins are needed, but about 5 seemd to do the job.

The gunpowder and horse units are very good, especially the Thunder Braves, mounted musketeers.

3. Since your units are weak. you will often need more than a full stack to win a battle against a single stack. Be sure to check the box to let the AI contorl the reinforcement stack when you start the battle.

4. General's units are nothing special, and the AI seems to target generals. Don't be surprised if your general is the first soldier killed in his unit.

5. You cannot build units in captured cities without first constructing all your own buildings from scratch.

6. You have nearly uncontested access to about 15 rebel settlements.

7. Auto-resolve is very erratic. It seems to overvalue your early units and undervalue your later ones.

8. Your opponents will have lots of cash. They pay ransom.

The secret of success is the Warpath, which works like a Jihad. Try to call one as close to every 10 turns as you can, Remember to train up a second Piety 4 wiseman.

Basic strategy: Split your initial troops into 2 nearly full stacks. With one, head west, then down the Pacific coast as far as you can. With the other head east. Aime for 20 recruits of each type and 10 settlements captured.
If you don't know the map, turn off fog of war.

Once the French arrive in Florida, about turn 20, beat up on them. If that doesn't get you guns and hourses, declare a Warpath against a Spanish city. You should have everything by turn 40 or so.

It took me 87 turns for the long campaign (30 cities). The short one (20 cities) is much easier, since you only need all the rebel towns plus one AI opponent's cities.
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