One month after mask rules and capacity limits were imposed on regional NSW, businesses are unsure of what's ahead.
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Dance and gym classes remain limited to 20 per class and hospitality venues have no standing or dancing and must work with a one-person-per-four-square-metre rule.
Sodens Hotel venue manager Lisa Byatt said it was difficult to know what lay ahead.
"When they first introduced the restrictions down here for regional, we thought, 'It will be a week or so', but it's just going to keep continuing," she said.
"She (the NSW Premier) is talking August and September ... it's heart-breaking.
"It's been an extremely tough month."
Ms Byatt said Albury venues were lucky to continue trading when Victorian businesses were forced to close.
"We are affected by both sides - they lock down regional Victoria, and people just can't come across.
"With this Delta strain, people are scared and they're staying at home.
"Functions get cancelled - we have three function spaces and most weekends they're all booked, but I think we've had three functions in the last four weeks.
"It's a big hit to the bottom-line.
"All you can do really is tackle each hurdle as it comes ... hopefully there's light at the end of the tunnel soon."
SS&A chief executive Gerard Darmody said the club was fortunate to be trading.
"It certainly is challenging, but we're not in lockdown and are probably in a more fortunate position than others in the Albury-Wodonga region," he said.
"Our capacity is certainly limited and the Victorian membership base not being able to come across to Albury certainly impacts our trade.
"We're probably down about 50 per cent on where we would normally be.
"It is difficult to plan.
"Like every business in Albury-Wodonga, we're just dealing with the restrictions that are in place."
Income support is now available in NSW and Victoria.
Services Australia general manager Hank Jongen said in NSW, almost 660,000 people have been granted the COVID-19 Disaster Payment since July 1.
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"Our staff and systems are doing a very strong job handling the demand from people who need our help, with payments mostly being made by the next day," he said.
"The vast majority of claims have been made online via myGov, which is the fastest and easiest way.
"For those customers who need face to face support, they can visit a Services Australia Service Centre."