Preheat your oven to 350°F and line a loaf pan with parchment paper.

Sauté onions, peppers, and mushrooms until caramelized, then cool.

Mix ground beef, eggs, breadcrumbs, ketchup, Worcestershire sauce, and seasonings.

Fold in the cooled vegetables gently without overmixing.

Press half the meat mixture into the pan, layer with cheese, then top with remaining meat.

Bake for 50-55 minutes until internal temperature reaches 160°F.

Add remaining cheese for the last 5 minutes of baking.

Rest for 10-15 minutes before slicing.