Spray 12 count muffin tin with non-stick cooking spray.
Start by laying each tortilla out individually on a flat surface, and use an empty can, glass cup, or cookie cutter to cut 3-4 medium circles out of each wrap. Press each wrap circle into the muffin tin.
In small bowl mix together the ground meat, salsa, taco seasoning, and refried beans. Stir until well combined. Scoop 1/8th cup of meat mixture in each wrap.
Top with shredded cheese, and olives.
Bake in preheated over for 12-15 minutes, or until cheese is melted.
Swerve with a side of salsa, low-fat sour cream, chopped tomatoes, and or shredded lettuce if desired!