Preheat the oven to 350 degrees F (175 degrees C). Lightly grease a loaf pan with cooking spray.
Spread ketchup over the bottom of the loaf pan; spread brown sugar over the ketchup.
Combine ground beef, crackers, eggs, onion, garlic, mustard, Worcestershire sauce, salt, and pepper in a bowl. Form mixture into a loaf and place in the prepared pan. Lay bacon strips on top in a lattice or other pattern.
Bake in the preheated oven until juices run clear and bacon is cooked, about 1 hour.