Low-alloyed dual-phase steels are widely used for automotive applications. The favorable mechanical properties of this material class are induced by the composite-like microstructure, i.e., strong martensitic inclusions embedded into a ductile ferrite matrix. This work presents a nonlinear two-scale model that is physically-motivated. The model comprises long-range stresses and includes microstructural parameters. It is suitable to predict the mechanical behavior of different dual-phase steels.