Preheat the Oven to 350°F (175°C).

In a large skillet over medium heat, cook the ground beef for 5-7 minutes until browned. Drain excess fat.

Stir in taco seasoning and ¾ cup of water; let simmer for about 5 minutes.

Warm the refried beans in a smaller pan over low heat until spreadable, about 3-4 minutes.

Spread refried beans on each tortilla, add beef mixture and sprinkle with cheese. Roll up tightly and place seam-side down in a baking dish.

Pour enchilada sauce over assembled enchiritos and sprinkle with remaining cheese.

Bake in preheated oven for 20 minutes until bubbly and golden.

Let rest for 5 minutes, then garnish with onions and cilantro before serving.