Preheat your oven to 350°F (175°C) and grease a 9x5-inch loaf pan with vegetable oil or cooking spray.

In a medium bowl, whisk together the flour, baking soda, baking powder, salt, cinnamon, and nutmeg until evenly combined.

In a large mixing bowl, beat together the vegetable oil, granulated sugar, and light brown sugar until smooth and glossy.

Add the eggs one at a time, beating well after each addition, followed by the vanilla extract.

Gently fold in the shredded zucchini and diced apple into the wet mixture.

Gradually add the dry mixture to the wet ingredients, stirring gently until just combined.

If using nuts, fold them into the batter now.

Pour the batter into the prepared loaf pan and smooth the top.

Bake for 50-60 minutes until a toothpick inserted comes out clean.

Let the bread cool in the pan for about 10 minutes before transferring to a wire rack.