Preheat the oven to 350°F (180°C) and prepare a loaf pan with grease or parchment paper.

In a large bowl, combine oats or oat flour, baking powder, cinnamon, and salt.

In another bowl, whisk the eggs (or substitute), then add grated apples, carrots, and your chosen sweetener.

Pour the wet ingredients into the dry mixture and stir just until combined. Add a splash of milk if needed.

Fold in any desired nuts, seeds, or dried fruit.

Pour the batter into the pan and bake for 40–45 minutes, or until a toothpick inserted in the center comes out clean.

Let the cake cool completely before slicing and serving.