Cook beef, onion and garlic in a large skillet over medium-high heat for 8-10 minutes or until beef is no longer pink and stirring until beef crumbles. Remove from heat and drain if needed.
Stir cheese, beans and picante sauce into beef mixture.
Using a measuring spoon, place 1/4 cup beef mixture in the center of each tortilla. Fold opposite sides of tortillas over filling, forming rectangles or squares. Secure with wooden toothpicks.
Place on a baking sheet and bake for about 5 minutes then turn and bake another 5 minutes.
Remove toothpicks and serve immediately with favorite toppings.