• 2 cups banana (for banana-free, try this Chocolate Yogurt Loaf)
• 2 1/2 tsp pure vanilla extract
• 1 tbsp white or cider vinegar
• 1/4 cup oil or milk of choice
• 2/3 cup pure maple syrup, honey, or agave
• 1 3/4 cup spelt, white, or oat flour (flourless option listed above)
• 1/2 cup cocoa powder
• 2 tbsp dutch cocoa (or additional regular)
• 1 tsp baking soda
• 3/4 tsp each: baking powder and salt
• optional 1/2 cup chocolate chips

Cream Cheese Filling

• 8 oz cream cheese (store-bought, or homemade vegan cream cheese)
• 1/3 cup powdered sugar or erythritol (or 1/8 tsp uncut stevia)
• 3 1/2 tbsp cornstarch