This is how I do it - it’s my version of a Fanny Farmer meatloaf and it’s really good. I usually halve the recipe and make 12 meatloaf muffins.
2 cups fresh bread crumbs
1 onion chopped fine
2 eggs slightly beaten
2 lb ground beef
1.5 tsp tsp dry mustard
1.5 tsp salt - go a little light if you are using a very salty cheese
3/4 cup milk
1 cup grated cheese (I’ve had good luck with ementhaler, cheddar, and some kind of smoked cheese)
Bacon - about 4 strips, optional
Grease (or use Pam) tin. Mix everything except the bacon together lightly and place in tin - don’t pat it down, leave it kind of loose. Cut the bacon into pieces and lay on top. Bake at 350F for about 45-55 minutes, or until bacon looks cooked but not dry.