Preheat the oven to 375 degrees and line a baking sheet with parchment paper.
Place the ground beef in a large bowl and add the ranch seasoning mix, squeezed zucchini, grated carrot, diced bell pepper, egg, salt, and black pepper.
Mix everything with your hands or a spoon until the ingredients are evenly combined.
Divide the mixture into four equal portions and shape each into a small loaf on the prepared baking sheet.
Sprinkle the shredded cheddar cheese evenly over the top of each mini meatloaf.
Bake for 25 to 30 minutes until the internal temperature reaches 160 degrees and the cheese has melted and browned slightly.
Remove from the oven and let the meatloaves rest for 5 minutes before serving.