Preheat the Oven: Preheat your oven to 375°F (190°C).
Prepare the Base: Place the tortilla or pizza crust on a baking sheet.
Layer the Beans: Spread refried beans evenly over the tortilla or crust.
Add Meat (Optional): If using, sprinkle cooked ground beef or chicken over the beans.
Top with Salsa: Spoon salsa or enchilada sauce over the meat.
Sprinkle Cheese: Generously cover with shredded cheese.
Add Vegetables: Scatter onions, black olives, and tomatoes over the cheese.
Bake: Bake in the preheated oven for 15-20 minutes, or until the cheese is melted and bubbly.
Garnish: Remove from oven and sprinkle with chopped cilantro. Add dollops of sour cream and guacamole if desired.
Serve: Slice and serve warm.