The historic town of Mogo on the far south coast of NSW was ravaged by bushfires over summer, with scores of homes and businesses destroyed.

The surviving businesses were just now getting back onto their feet and enjoying an influx of visitors when the coronavirus pandemic struck.

Theresa Matthews has described 2020 as 'hellish' after bushfires and now coronavirus ( ABC South East NSW: Claire Wheaton )

Theresa Matthews' lolly shop was impacted by smoke and asbestos damage. She lost all of her stock as a result.

She said 2020 had been "hellish" for the town now facing its second major crisis in just a few months, and businesses were on the brink of collapse.

"Because we've only be trading for four weeks it's going to make it very difficult for us to weather it through the coronavirus," she said.

"The rents here in Mogo are high so you've got to pay your rent. With no sales coming in, it's tough.

"I don't know how many of the Mogo businesses will make it through."

The Mogo Business Chamber fears up to 30 per cent of the remaining businesses would not make it through the coronavirus shutdown.

"Lack of cash flow will be a serious problem," Chamber president Richard Adams said.

He said many of the town's small businesses were run by sole traders who employ seasonal casual staff, and many would not be eligible for the Federal Government's wage subsidy scheme, JobKeeper.

"A lot of the casual staff have been put off now," he said.

"I think we're in for a long road to recovery.

"My biggest fear is that as time goes on the problems in this town, and what people went through with the fires, will be forgotten," he said.

Richard Adams from the Mogo Business Chamber says the town's on a long road to recovery. ( ABC South East NSW: Claire Wheaton )

Theresa Matthews shared his fear and said COVID-19 had derailed the town's bushfire recovery.

"Everybody has forgotten that we've been through," she said.

"We've gone from one thing to another, so you sort of feel like 'bugger, we've been left now'," she said.

The outpouring of support in the wake of the fires saw nearly a dozen demountable buildings trucked in to get businesses up and running quickly.

The pop-up mall opened on Saturday with no customers in sight.

Business owner Lorena Granados, who lost both her shop and home in the Clyde Mountain blaze, said it was not the grand opening they were hoping for.

Lorena Granados and Gaspar Roman go through the wreckage of their leathergoods shop. ( ABC News: Michael Nudl )

"We couldn't make the huge celebration that we were planning to," she said.

She said the coronavirus pandemic had thrown their plans of rebuilding into disarray.

"We have to get a loan to be able to rebuild and to get a loan we need to stay employed. Now I'm not so sure if we're going to be able to afford it," she said.

She said businesses in the town were being forced to innovate and sell their products online to avoid bankruptcy.

"We're willing to adapt because we've got no choice. We need to adapt," she said.

The business chamber said it was assisting businesses in the town with the transition online.

Mr Adams said the shutdown provided a rare opportunity for businesses to think creatively and more strategically about their products.

"If you can weather something like this when you get to the other side, usually you've got a better business," he said.

Lani Riley is hopeful tourists will return to the small town once the pandemic passes. ( ABC South East NSW: Claire Wheaton )

And many, like barista Lani Riley, were holding out hope that visitors would return to the characteristic town once the pandemic passed.

"It won't be changed forever. It might be a whole different vibe. But I think people will still try to come and support us," she said.

"Mogo will bounce back."