Well, one possible plotline could be that Tsunade gets into debt because of some bad gambling habits and then has to deal with the consequences. The 'lemon' part might involve some sort of romantic or steamy encounter as a result of her debt situation, perhaps with a character who helps her out but has certain demands. But this is just speculation as it's a very specific and rather unique concept for fanfiction.
I'm not sure specifically about 'Tsunade debt lemon' fanfiction. You could try searching on popular fanfiction websites like FanFiction.net or Archive of Our Own. They have a wide range of Naruto - related fanfictions, and you might find something that meets your criteria there.
One possible plotline could be that Naruto discovers a new form of chakra control that gives him an edge over Tsunade. He uses this to take charge in a dangerous mission where Tsunade was initially leading.
One possible plotline could be that Sakura is injured during a difficult battle. Tsunade, as the experienced healer and mentor, tends to her. In the process, they share a moment of intense emotion and end up kissing as a sign of their deep bond. Another could be that they are celebrating a great victory for the village and in the euphoria of the moment, they kiss. Maybe it starts as a friendly peck but then turns into something more meaningful.
Well, if there is such a fanfiction, perhaps there's a plot where some sort of magic or jutsu affects their minds. Naruto might be under a spell that makes him see Tsunade in a romantic way, and Tsunade, being affected by a similar or related jutsu, reciprocates. And so, in this strange situation, they end up in a situation where they'sleep together'. But this is all just speculation based on what could be in a very unorthodox fanfiction.
Another plotline could involve Tsunade sharing her past experiences with Sakura. How she overcame difficulties in her early days as a ninja, her relationship with the previous Hokage, etc. This could inspire Sakura and lead to a deeper understanding between them. They could then use this new - found connection to better serve the Hidden Leaf Village, perhaps by coming up with new strategies for the village's defense or medical facilities improvement.
Another plotline might be that Tsunade is affected by some kind of dark magic or genjutsu that makes her turn against Naruto. Naruto, realizing it's not really Tsunade's fault, still has to fight her to try and break the spell. He could call upon his friends for help, but in the end, it's his determination and his bond with Tsunade that helps him reach her and break the control.
One possible plotline could be that Naruto leaves with Tsunade on a mission to find a rare herb that is said to have the power to heal any wound. Along the way, they face various enemies who also want the herb for their own malicious purposes. Naruto's skills and Tsunade's wisdom would be put to the test as they battle their way through.
A possible plotline could be a training arc. Tsunade could be training both Naruto and Sakura in a new and advanced form of combat or medical ninjutsu. This would involve a lot of character development as they struggle to master the new skills. For example, Naruto might have trouble with the precision required in a medical - related technique while Sakura helps him out, and Tsunade observes and gives tough love guidance.
One possible plotline could be that Tsunade and Naruto go on a dangerous mission together and Tsunade has to protect Naruto at first, but then Naruto's growth allows him to contribute significantly. Another could be that Tsunade is teaching Naruto some special medical jutsu, and they have a mentor - mentee relationship throughout the story.
Perhaps Lemon is a messenger from another land who brings news of a potential threat to Konoha. Tsunade and Shizune initially don't trust her completely, but as they investigate the threat together, they realize that Lemon is sincere. They then embark on a journey to the source of the threat. During this journey, they face various obstacles, like difficult terrains and enemy ninjas. Along the way, Shizune and Tsunade teach Lemon some of their ninja skills, and Lemon shares her own knowledge of the enemy's territory and habits, and together they work to save Konoha from the impending danger.