Add oil to fry pan set to medium. Sauté garlic and onion until translucent. Rinse black beans and set aside. Add bell peppers and jalapeños to pan and cook just until tender.
Add tomatoes to pan along with salt & pepper and cumin. Add black beans and warm through.
While fry pan mixture is warming through, spray a small microwave safe bowl with cooking spray and melt cheese on 50% power, for approximately 30 seconds, add sour cream and stir. Add a bit of water as needed to make the mixture more sauce-like.
Place rice on plate and top with bean & tomato mixture. Top with sour cream cheddar sauce. Garnish with cilantro and add a squirt of fresh lime juice if desired.