Combine zucchini, peppers, tomatoes, and three kinds of beans to make a tasty chili recipe that can be ready to serve in less than 30 minutes.
Heat oil in a large nonstick saucepot over medium heat. Add onion, garlic and chili powder and cook 3 minutes.
Add peppers and zucchini and continue to cook 5 minutes, stirring occasionally.
Stir in tomatoes, tomato sauce, ketchup and oregano. Cook 8 minutes.
Gently stir in the beans. Cover pot and continue to cook 3 minutes. Serve with grated cheese, if desired.