Preheat the oven to 375 degrees F.
Put the olive oil and the onion in a large frying pan over medium heat. Cook for a couple of minutes, then add the ground beef.
Cook the beef until it browns, then add the chili powder, cumin, garlic powder, salt, pepper,and ketchup. Stir to combine.
Add the refried beans and half of the dairy free cheese. Stir well. If the mixture seems too dry, add about a quarter cup of water.
Pour ⅔ of a cup of enchilada sauce into the bottom of a rectangular casserole dish.
Spoon filling into the tortillas one at a time, and fold them over. Place them seam side down in the casserole dish.
Pour the rest of the enchilada sauce over the enchiladas, making sure all of the tortillas are covered. Top with the remaining dairy free cheese.
Cover the casserole dish with foil, and bake at 375 degrees F for 40-45 minutes.
Allow to cool for a few minutes, then serve.