Heat a large pan over medium heat. Brush one side of a tortilla with oil and place onto pan. While the tortillas is heating up (this will allow you to fold the tortilla in half without it splitting), spread a little refried beans on half the tortilla, followed by avocado, bell pepper, and a sprinkle of cheese.
Fold the tortilla over the fillings and press down to seal. Cook until underside of tortilla is golden, then flip. Continue to cook until both sides are golden and cheese is melted. Continue with the remaining tortillas.
Serve with hot sauce, salsa, and plain Greek yogurt. Enjoy!