Prep the veggies. Dice the onion and red bell pepper, and mince the jalapeño. Rinse beans and lentils. This literally takes 10–15 minutes.
Load the crockpot. Add rinsed lentils, black and red beans, chopped bell pepper, diced onion, jalapeño, corn, salsa, tomato sauce, 1 tsp smoked paprika, 1 tsp garlic powder, 1/2 tsp cumin, 1/4 tsp cayenne (if using), 3 1/2 cups vegetable broth, 1 tsp olive oil, and salt & pepper. Give it a gentle stir.
Cook. Cover and cook on HIGH for 4–6 hours or LOW for 7–8 hours. The soup should thicken and the lentils should be soft.
Finish with creaminess. Turn off the crockpot and stir in 1/2 cup dairy-free light cream cheese until smooth. This adds body without dairy. If you want a creamier texture, blitz about a cup of soup with an immersion blender and stir back in.
Serve. Ladle into bowls and top with crushed tortilla chips, avocado slices, cilantro, and a squeeze of lime. Eat immediately.
Pro tip: Don’t add the vegan cream cheese until the very end. It melts best over warm soup and keeps the texture silky.