Set your oven to 350°F (180°C). Line a loaf pan with parchment paper for easy cleanup.
In a small bowl, whisk together the ketchup, brown sugar, mustard, and Worcestershire sauce. Set aside.
½ cup ketchup, 2 tablespoons brown sugar, ¼ cup mustard, 2 tablespoons Worcestershire sauce
In a large bowl, beat the eggs. Add the shredded cheese, crushed crackers, chopped onion, bell pepper, salt, and pepper. Mix well to combine.
1 cup onion, ½ cup bell pepper, ½ cup sharp cheddar cheese, 2 medium eggs, Salt and pepper, 1 ½ cups Ritz crackers
Gently fold in the ground beef until just combined—be careful not to overmix, or the meatloaf may become dense.
2 pounds lean ground beef
Transfer the beef mixture to the prepared loaf pan and press it in evenly. Bake for 30 minutes.
Remove the meatloaf from the oven and spread most of the ketchup topping over the top, saving a few spoonfuls for serving.
Return to the oven and bake for another 30–40 minutes, or until the internal temperature reaches 160°F (71°C). Let the meatloaf rest for 5–10 minutes before slicing.
Serve with the reserved sauce and your favorite sides like mashed potatoes or green beans.