Our chamber is always looking for speakers, but they won't pay for one.

Why don't you try another organization that might be more receptive? I'm a member of the National Association of Women Business Owners and they have monthly dinners/lunches with speakers. Not sure if they pay.

You might also look at starting out by not charging, and instead trying to use your talk as a time to connect, network, and show off your stuff. Then some of the audience/members might be able to refer you to other organizations that are interested.

What is your purpose for speaking? Are you trying to make money as a speaker, or are you trying to sell your service/product through your speeches?

Kathy