Preheat oven to 375°F (190°C). Grease a loaf pan or line a baking sheet with parchment paper.

In a large bowl, combine ground beef, breadcrumbs, onion, garlic, eggs, milk, Worcestershire sauce, salt, and pepper. Mix until just combined.

Press half of the meat mixture into the prepared pan.

Layer cheddar cheese in the center, leaving a small border around the edges.

Cover with the remaining meat mixture, pressing to seal the edges tightly.

In a small bowl, whisk together ketchup, mustard, and brown sugar. Spread evenly over the meatloaf.

Bake for 45–55 minutes, or until internal temperature reaches 160°F (71°C) and glaze is caramelized.

Let rest 10 minutes before slicing. Garnish with parsley and serve.