Yea just to add the fastest way to get tc is duels... But that's risky and since you are new I wouldn't suggest it. Try bets it requires no skill all you have to do is watch and see who's good.(risky too)

To make a clan it is 25k I believe

Personally how I see if people want to join is I have them write an app, and there are things the need to have... Like a good post count and over 4th Dan and then I test them or one of my admins/warlords test them if they beat the person 3 times they don't get in but if they beat one of us 3 times they get in. This may sound like a lot, but I want to make sure they will be loyal and not clan hop. This is more of an extreme because there are some clans that require almost nothing.

I'd say if you want to make a clan do some bets and play it smart and you can have the needed tc in an hour. If you want to join a clan id say get black belt and learn to write a good app, and wait more than a 2 days to apply for a new clan because it makes you look desperate.
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Btw feel free to c/p the list from my recruitment center, it's pretty much the general base to have a really solid app.