In a large skillet over medium heat, brown the ground beef with the onion. Cook until the beef is cooked through and the onions have softened and translucent, about 5-7 minutes. Drain excess fat.
Add in the chili enchilada sauce, lime juice, taco seasoning, salt, and cayenne pepper. Cook the beef in the chili enchilada sauce for 2-3 additional minutes or until the sauce has thickened, then remove the skillet from the heat.
Use a small microwavable bowl to heat the refried beans. Make sure to put a paper towel over the top so it doesn’t explode and get all over the microwave.
Take a spoonful of the refried beans and spread them over each tostada. Layer the tostada with the ground beef next, then your choice of garnishes: a handful of lettuce, some chopped tomatoes, chopped avocados, a spoonful of salsa, a handful of Mexican cheese, and/or a drizzle of Mexican crema. Top with chopped cilantro and then plate and serve.