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Collisionless matter approaching a black hole generally cannot dissipate enough orbital energy to remain bound, so direct capture requires sufficiently small angular momentum. For nonrelativistic incident speed $v$, a Schwarzschild black hole has direct test-particle capture cross-section approximately $16\pi G^2{M}^2/(c^2{v}^2)$. A Newtonian pericentre estimate using the Schwarzschild radius instead gives $4\pi G^2{M}^2/(c^2{v}^2)$. Both show that capture at a given mass density is suppressed by order $(v/c{)}^2$ relative to supersonic Bondi--Hoyle--Lyttleton accretion. Tidal disruption events provide a distinct way to accrete some stellar debris.

Work in the rest frame of the hole and neglect stellar velocities compared with $v$. In addition to $v\gg {\sigma }_{\ast }$, assume the galactic encounter speed is nonrelativistic, $v\ll c$. Treat a star as a test particle with specific angular momentum $\ell =bv$. At its pericentre $r_{\min }$, its radial velocity vanishes. Conservation of energy and conservation of angular momentum giveThe second term is gravitational focusing. For the rough Newtonian estimate in the question, assume capture when the pericentre reaches the Schwarzschild radius, $r_S=2G{M}_{\mathrm{BH}}/c^2$. It follows thatThe approximation keeps the focusing term because $v\ll c$.

Let ${\rho }_{\ast }=m{n}_{\ast }$ be the stellar mass density. Multiplying the geometric collision cross-section by the incoming mass flux gives the collisionless black-hole capture rateFor a supersonic gas with negligible sound speed, Bondi--Hoyle--Lyttleton accretion has capture radius $r_a=2G{M}_{\mathrm{BH}}/v^2$ and rateConsequentlyFor comparable densities and $v=200\mathrm{km}{\mathrm{s}}^{-1}$, the suppression is approximately $4\times 10^{-7}$. Gas can collide, dissipate orbital energy, and be captured from a region of size $GM/v^2$; collisionless particles generally leave on an unbound orbit unless their angular momentum is small enough for direct capture. Chandrasekhar dynamical friction can slow the hole by transferring energy to a stellar wake, but does not mean that the stars producing that wake are swallowed.

There is an important accuracy limitation in the requested numerical coefficient. Newtonian orbital mechanics evaluated at a relativistic event horizon cannot give the exact capture boundary. In Schwarzschild spacetime, a slowly incoming massive particle has dimensionless energy $\mathcal{E}\simeq 1$ and timelike geodesic effective potentialThe double turning point satisfying $V=1$ and $dV/dr=0$ occurs at $r=4r_g$ and $\ell =4G{M}_{\mathrm{BH}}/c$. The exact low-speed boundary is therefore $b_{\mathrm{cap}}\simeq 4G{M}_{\mathrm{BH}}/(cv)$, twice the rough value; it makes the rate ratio $4({\rho }_{\ast }/{\rho }_g)(v/c{)}^2$. The key suppression scaling is unchanged.

Direct capture of ordinary stars or dark matter is therefore an inefficient route to rapid growth of a supermassive black hole under these conditions. Tidal disruption events can capture stellar debris without swallowing an intact point-like star, and special dense environments can modify the supply. These qualifications do not make collisionless capture equivalent to dissipative gas accretion.

Equating stellar surface gravity to the differential black-hole acceleration givesso the tidal disruption radius isA nonrotating hole swallows the star without a visible disruption when this lies inside its capture scale, here approximated by the Schwarzschild radius $r_h=2G{M}_{\mathrm{BH}}/c^2$. Equating the two radii yields the Hills massFor a solar-type star this is of order $10^8{M}_{\odot }$.

The threshold does depend on spin. A Kerr black hole has spin- and inclination-dependent horizon, marginally bound, and capture radii. Prograde orbits around a rapidly rotating hole can approach more closely, allowing disruption by masses above the Schwarzschild Hills mass, whereas retrograde capture occurs farther out.

An intermediate-mass black hole lies well below this threshold for ordinary stars, so stars entering its loss cone are disrupted outside the horizon. The returning debris can grow the hole and produces a tidal disruption event that may reveal an otherwise quiescent cluster black hole through a flare. Dense clusters can supply repeated disruptions, although the rate depends on two-body relaxation, stellar collisions, binary interactions, and whether gravitational recoil or cluster dynamics ejects the hole.

Disruption of a self-gravitating body when differential gravitational acceleration across it exceeds its binding acceleration. For a body of radius $R$, mass $m$ at distance $r$ from a much more massive body $M$, the competing scales are $GMR/r^3$ and $Gm/R^2$; their equality gives $r\sim R(M/m{)}^{1/3}$, up to geometry and internal-structure factors. The tidal tensor gives the directional differential acceleration. A tidal disruption event near a black hole is a specific astronomical application.