Preheat your oven to 350°F (175°C). Lightly grease a loaf pan or line it with parchment paper.
In a small fry pan, saute the diced onion in a tablespoon of olive oil for 5 minutes or until the vegetables are soft.
In a large mixing bowl, combine ground beef, onion, crushed Ritz crackers, whisked eggs, shredded cheddar cheese, heavy cream, salt, pepper, Worcestershire sauce. Mix until everything is evenly combined, but don’t overmix as it can make the meatloaf tough.
Transfer the mixture to the prepared loaf pan and press it down gently. Smooth the top.
Spread the ½ cup of chili sauce evenly over the top of the meatloaf.
Place the meatloaf in the preheated oven and bake for about 1 hour, or until the internal temperature reaches 160°F (70°C). If the top starts to get too dark, you can tent it with aluminum foil.
Once done, let the meatloaf rest for about 10 minutes before slicing. This helps it hold together better when cutting.