Preheat the oven to 350 degrees. Put the oats in a blender and pulse until you have a fine powder. Add the beef, ground oats, carrot, onion, egg, cheese, and seasonings to a large bowl and combine with clean hands until everything is well incorporated.

Line a baking sheet with foil and spray with cooking spray. Divide the meat into 7 even portions and shape each portion into a torpedo-like shape. Place each meatloaf onto the baking sheet and bake for 20-30 minutes or until a thermometer registers 160 degrees. Top each loaf with a spoonful of ketchup and return to the oven for an additional 2-3 minutes. Serve and enjoy!