Chairwoman Shelley Scoullar said the group relies on donations and membership fees, often which are raised at events.

"Although our membership has increased... because of COVID and fires it's impacted donors and we haven't received the larger contributions we have in the past," she said.

"Also because we run and coordination so many different events, that's where we get memberships and donations, but because of COVID we haven't had any events since December last year.

"Basically we're out of funds at the moment."

Mrs Scoullar said most of the group were volunteers, but they relied on consultants to do fact checking and obtain research.

"We had a chat with the committee and advisors and said, 'What do we want to do, do we wind up Speak Up or keep going?.'

"Resounding we wanted to keep going."

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But in order to do so, the group needs about $10,000 in donations to stay afloat for six months until membership renewal in January.

Mrs Scoullar said if the group went under, the voices of farmers and everyday people would be lost too, especially in politician discussions.

She said after five years lobbying for change through events like the Convoy to Canberra, the group feels they're finally getting somewhere.

"At last, with enormous public support, we appear to be making headway," she said.

"Announcements by Water Minister Keith Pitt last week [of infrastructure upgrades and an end to buybacks] are undoubtedly a step in the right direction.

"It has been a long and arduous process and we are a long way from the finish line, but at least we can see light at the end of the tunnel.

"We cannot afford to give up now, but there may be no other option if we cannot get a financial lifeline."

Mrs Scoullar said Speak Up gives a voice to farmers and everyday people affected by water policy, especially in areas like Finley and Deniliquin.

But, she said, they also represented the interests of Albury and Wodonga,

"Since my family moved here in 2019 it has become obvious that Hume Dam is the jewel in Albury's crown, and we must protect it," she said. "The management of Hume is dictated by water sharing rules and objectives of the Murray Darling Basin Plan...

"It is imperative that Hume Dam is not sacrificed, like other waterways such as Menindee Lakes."