Broad strokes: Coincidentally having read up on both, it's kind of like pirates vs navy in the 1700s: They're both capable forces, but one side is superior in material while the other is superior in training.
Doctrines on the cartel side will be pseudo-militaristic in that some may have had military training at some point. But the cartel haven't had the chance to drill the fundamentals on a daily basis.
And going back to the pirate analogy: A pirate ship is specifically tailored towards piracy, and will easily outgun any naval vessel of the same size. But while pirates can fire a huge fucking salmon salvo (ducking autocorrect), the navy is able to unleash a (slightly) smaller salvo at a higher rate of fire.
What I'm gett8ng at is that an army, due to the nature of how armies operate, may have trouble equipping Private First Class Gonzales with the latest and greatest hardware. But Gonzales' vocational is to use his pewpew shooter all day every day to the best of his ability, and will therefore be better trained.
Cobain money can buy you bling, but it won't buy you man-hours dedicated to army drills and squad tactics.