Preheat oven to 375°F (190°C) and grease a muffin tin.

Cook onion in a skillet until soft, then add garlic.

Add ground beef and cook until browned; drain fat.

Stir in taco seasoning and water, simmer until thick.

Press tortillas into muffin cups to form shells.

Spread beans into each shell.

Fill with taco meat and top with cheese.

Bake 15–18 minutes until golden and melted.

Cool slightly, remove from pan, and add toppings before serving.