First chop up the carrots, garlic and onion. In a medium sized pot, cook the vegetables in the olive oil over medium heat for 3-4 minutes. While they are cooking, season with cayenne, cumin, salt and pepper. You'll note I didn't add any amounts to these and that's because it's a very small amount you're going for here. Keep in mind you can add more of any of these to the soup later.
Add the stock and cook for another 3-4 minutes until the carrots begin to soften. Then stir in the beans. Cook until everything is nice and hot. Taste and add more spices or salt as needed. Garnish with sour cream, cheese and cilantro.