When you ask a genuine wholesale supplier for an account with credit terms, the wholesaler typically asks you for Trade References. When supplying a Trade Reference your provide a telephone (fax or email address) that allows the new wholesale supplier to contact people your have purchased from in the past to determine your payment history and credit worthiness.
A new business will not have any prior credit history. You will have to pay up front or using your credit card until you have built up a good credit history with your wholesale supplier. That wholesale supplier then becomes a Trade Reference for you (provided you have a good payment history with that wholesale supplier.)