快速实现跨传感器高保真影像融合，3秒完成一张图像处理。

Pansharpening aims to generate high-resolution multispectral (HRMS) images by fusing low-resolution multispectral (LRMS) and high-resolution panchromatic (PAN) images while preserving both spectral and spatial information. Although deep learning (DL)-based pansharpening methods achieve impressive performance, they require high training cost and large datasets, and often degrade when the test distribution differs from training, limiting generalization. Recent zero-shot methods, trained on a single PAN/LRMS pair, offer strong generalization but suffer from limited fusion quality, high computational overhead, and slow convergence. To address these issues, we propose FMG-Pan, a fast and generalizable model-guided instance-wise adaptation framework for real-world pansharpening, achieving both cross-sensor generality and rapid training-inference. The framework leverages a pretrained model to guide a lightweight adaptive network through joint optimization with spectral and physical fidelity constraints. We further design a novel physical fidelity term to enhance spatial detail preservation. Extensive experiments on real-world datasets under both intra- and cross-sensor settings demonstrate state-of-the-art performance. On the WorldView-3 dataset, FMG-Pan completes training and inference for a 512x512x8 image within 3 seconds on an RTX 3090 GPU, significantly faster than existing zero-shot methods, making it suitable for practical deployment.