Preheat your oven to 375°F (190°C).

In a large bowl, combine the ground beef, breadcrumbs, milk, egg, finely chopped onions, minced garlic, Worcestershire sauce, salt, and black pepper.

If using cheese, fold in the shredded cheese at this point.

Lightly grease a muffin tin or line it with cupcake liners.

Scoop the meat mixture into the muffin tin, filling each cup about 3/4 full.

Bake in the preheated oven for 20-25 minutes or until the meatloaf cups are cooked through.

Let the meatloaf cups rest for 5 minutes before removing them from the tin.

Serve warm, optionally topped with additional barbecue sauce or ketchup.